FAQs

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

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.