FAQs

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.

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.

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.

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.

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.

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.

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.

At Carsa, we make it easy to apply for finance in the way that suits you best. You can:

• Apply online by finding a car on site and then selecting Reserve & Collect
• Speak with a specialist over the phone for tailored advice.
• Visit a Carsa showroom and apply in person.
  
  

Lenders will normally check your income, credit profile, and ID, and may ask for extra documents such as bank statements or payslips. If you’re unsure whether you’ll be accepted, our free eligibility tool is the best place to start. It won’t affect your credit score, and it gives you a clear idea of your options.