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.

How do I know I'm getting a fair price?

We base your valuation on real-time market data from similar cars across the UK, so you get a competitive, no-haggle offer right from the start.

Who can I contact if I need help or have questions?

Our sales team & customer care team are available to call on 0330 040 1031 or email sales@carsa.co.uk / customercare@carsa.co.uk. We are happy to help before or after your purchase.

What payment methods do you accept?

Deposits up to £200 can be paid by card; balances must be by bank transfer or finance. We cannot accept large cash payments.

Can I add extras like paint protection or a dash cam?

Yes. Options include GardX lifetime paint/interior protection, Nextbase dash cams, and a Tyre & Alloy Care Plan. After placing your order you can discuss these options with a representative.

Do you offer financing options for buying a car?

We’re FCA‑authorised and work with several lenders to offer HP or PCP finance. You can also use outside finance (a separate admin fee may apply).

Is the car taxed and insured when I buy it?

You'll need to arrange road tax and insurance from the day you take ownership. When you collect the car, our team will help you tax it on-site using the document reference number we have on record – it only takes a couple of minutes. We handle the DVLA registration transfer for you.

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Do you offer dash cams or other accessories with the car?

Yes. We can supply and install Nextbase front‑and‑rear dash cams and other accessories like tailored mats—just let us know at checkout.

What is GardX paint and interior protection?

GardX is a nano‑coating applied by professionals that forms a durable ‘second skin’ over paint and fabric/leather, backed by a lifetime guarantee.

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.

How can I get car finance?

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.

How much warranty is left on the car I’m looking to buy?

Cars come with a manufacturer warranty when new, usually lasting a set number of years or miles. How much cover is left will depend on the car’s age, mileage and the manufacturer’s terms, so we can’t guarantee this for every vehicle. The best way to confirm the exact cover is to check directly with the manufacturer.

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If you’d like extra cover, we have warranty products available at the time of purchase.