FAQs

Normally, no — private plates don’t affect your premium, as insurers don’t treat them as a modification. Still, it’s best to confirm with your provider.

You will need your V5 to part exchange a car with Carsa. You can apply for a new V5 on the DVLA website

You’ll need to bring your driving licence. If you’re part exchanging, please also bring your V5, service documents, and spare key. If you’re part exchanging and have a private plate, please refer to this FAQ about part exchanging with a private plate

Absolutely. If you visit a Carsa branch, our team can help you set up finance on the spot. The process is the same as online: we’ll gather some details and submit the application to our lenders. You can then sign the finance agreement digitally or in person once approved. So even at the store, you can purchase a car with a finance plan.

If you haven’t finalized your finance agreement yet, yes, we can adjust the application. For example, if you want to change the deposit amount or the length of the term or even the type of finance, we can work that out (it might mean doing a new quote or application, but it’s doable before signing). However, if you’ve already been approved and signed the agreement, changing it would mean cancelling that agreement (which usually you can do in the early cooling-off period) and starting a new one – not an ideal route unless necessary. So definitely speak up about any changes you want before you sign the finance contract. We’re pretty flexible up to that point.

When you’re completing the finance e-sign process, the PIN is usually sent via text message to your mobile phone. It’s a one-time code from the lender to confirm it’s you signing the contract. So, check your phone for an SMS from the lender (or sometimes an email if they use that method). If you still can’t find it, let us or the lender know, and they can resend the PIN. It’s a security step – they typically send a 4 or 6 digit code that you then enter to finalize the e-signature.

If you haven’t finalized the purchase yet, just tell us that you no longer want to part-exchange. We can adjust the deal so that you keep your car and pay the full price for the new car (minus any deposit you still want to put in). If you already handed over your part-exchange and completed everything, then the transaction is done and we typically wouldn’t unwind it. But if it’s before or during paperwork, you can back out of the part-exchange portion and we’ll recalculate the transaction without it.

Your finance contract will end once you’ve made all scheduled payments (and paid any final balloon payment if it’s a PCP). For example, if you took a 48-month term, it ends after the 48th payment (or when the balloon is settled). The specific end date will be listed on your finance agreement. You can also contact your lender to find out the exact date or remaining payments. In short, it ends when the loan is fully paid according to the agreement.