FAQs

Got Questions? We’ve got answers. Whether you’re buying your first car or trading in your old car, we’re here to make it simple. Explore our FAQs for quick, honest answers about Carsa’s process, prep, finance, handover, and more.

What are the age and residency requirements to get finance?

You’ll usually need to be at least 18 and a UK resident with proof of address to apply for finance. Some lenders may consider alternative circumstances, but these are less common.

If you’re unsure, check your eligibility with our finance tool — it’s a simple way to see whether you’re likely to be eligible for car finance

How much car finance can I get?

There isn’t one set amount, because it depends on your income, credit history, affordability checks and budget. For example, someone with a stable income and strong credit profile may be approved for more finance than someone with limited income.

If you want to understand how much the monthly payments may be on a vehicle, find a car on our website and use the finance calculator on the page. You can adjust the deposit, term, and mileage (for PCP) to see how the payments change.

If you want to understand what your APR may be, and how much you could afford, use our free eligibility checker. This won’t impact your credit score and takes a couple of minutes.

Can I get a car on finance?

In most cases, yes — as long as you meet a lender’s criteria. That means being at least 18, living in the UK, and showing proof of income. From there, the amount and type of finance available to you depends on your personal circumstances.

Our free eligibility checker will give you a view on whether you’re likely to be eligible for car finance. This won’t impact your credit score.

Am I eligible for car finance if I’m self-employed, on a zero-hours contract or not in full-time work?

Yes, you can still apply for finance if you’re self-employed, work irregular hours, or don’t have a full-time contract. Lenders may simply ask for extra proof of income — such as recent payslips, bank statements, or tax returns. If you’re unsure how this might apply to you, our eligibility tool is the fastest way to check without impacting your credit score.

Can I get car finance if I’m on benefits or Universal Credit?

Yes, some lenders will consider applications from people who receive benefits or Universal Credit, as long as you can show a steady income and demonstrate you can manage the repayments. A good credit history will make acceptance more likely.

If you’re not sure, use our free eligibility tool to see whether you’re likely to be eligible for car finance. This is free and won’t impact your credit score.

Can I get car finance?

If you’re over 18, live in the UK, and can prove your income, there’s a good chance you’ll be eligible for finance through one of our lending partners. Final approval will depend on your credit history and affordability checks.

The easiest way to be sure is to run a quick check with our eligibility tool.

Can I get car finance on a provisional licence?

Some lenders will consider applications from customers with a provisional licence, although you’ll have more options once you pass your driving test. With a provisional, lenders may limit the amount they’re willing to lend, or ask for extra steps such as a joint hirer or proof of a booked test date.

Can I get car finance with bad credit, CCJs, IVAs or bankruptcy?

Having a poor credit history doesn’t automatically mean you’ll be declined. At Carsa, we work with a wide panel of lenders, some of whom specialise in customers with CCJs, IVAs or even past bankruptcies. Approval can be more challenging, and you may be asked for extra proof of income, or, in the case of an IVA, consent from your insolvency company.

The best way to check is to use our free finance eligibility tool. It shows you your options instantly without leaving a mark on your credit file.

What is the Alloy Wheel Protection plan?

It's a 36-month plan that repairs minor cosmetic damage to your alloy wheels — kerb scuffs, chips and scratches on the wheel face from everyday driving. A mobile technician comes to your home or work; you book through the Shine! Protect app and it's usable from day one with no waiting period. It's a one-off price of £499 with up to 15 repairs across the term. Note it covers alloy wheels only — there's no tyre cover — and it's a maintenance plan, not insurance.

What does the Cosmetic Maintenance Plan cover?

It covers minor everyday damage to your painted body panels: stone chips up to 5mm, and dents, scuffs and scratches up to 30cm wide and 3mm deep where the panel isn't cracked, torn or perforated. On the bonnet, boot and roof only stone chips are covered, not dents or scratches. It doesn't cover glass, lights, wheels, interior, trim, or matt/wrapped/bespoke finishes, and the vehicle must be under 7 years old at the plan start. Repairs are professional cosmetic blends that weatherproof the damage — they're not full factory resprays.

How do I book a repair on my Cosmetic Maintenance Plan?

Submit a request through the Shine! Protect app (iOS or Android), online at apsmartclaim.co.uk, or by calling 01279 456 500. Upload a few photos of the damage and pick the type. Once AutoProtect authorises it, you pay the £25 call-out fee and choose a date and location — home, work or anywhere convenient — and a mobile technician comes to you. Always wait for authorisation before any work goes ahead.

What is the Cosmetic Maintenance Plan?

It's a 36-month plan that sends an award-winning Shine! mobile technician to your home or work to repair minor cosmetic damage to your car's painted body panels — chips, dents, scuffs and scratches from everyday driving. You book through the Shine! Protect app, with up to 4 repairs per visit and up to 21 across the plan (7 per year). It's a one-off price of £449 with a £25 call-out fee per request. It's a maintenance plan, not an insurance product, and isn't regulated by the FCA.

How do I look after my car once Ceramic Coat is applied?

Just wash it with mild car shampoo (not washing-up liquid) and water — no polishing needed, and an automatic wash-and-dry is fine. The coating repels dirt so the car stays cleaner for longer. Two things to keep in mind: remove bird droppings promptly as they're corrosive, and note the coating covers exterior paintwork, alloys, bumpers and side glass but not the front and rear windscreens.

Do I need to reapply Williams Ceramic Coat or have it topped up?

No — it's a one-off application, applied by Carsa at handover, that lasts the lifetime of your ownership. Unlike some paint protection products it doesn't need a yearly top-up or 'enhancer' to keep the gloss or the guarantee. The only thing to remember is a re-validation inspection at Carsa after 5 years to keep the lifetime guarantee in place.

What is Williams F1 Ceramic Coat paint protection?

It's a high-gloss ceramic coating that bonds to your paintwork and protects it against UV, acid rain, traffic grime, tree sap and harsh weathering — so your car keeps its showroom shine and is easier to clean. It's developed by Ultimotive, an Official Licensee of Williams Racing, and tested by SGS and CSIRO for hardness and gloss. It's a one-off application of £499, applied by Carsa at handover, with a lifetime guarantee for as long as you own the car.

Are EV charging cables covered?

The onboard charger inside your car is covered. External charging cables and units — home wallboxes and public chargers — are not, and damage from using non-manufacturer-approved charging equipment isn't covered either.