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.

Can I get car finance without a balloon payment?

Yes. If you’d prefer not to have a balloon (final) payment, a Hire Purchase (HP) agreement might be more suitable. With HP, you make fixed monthly payments until the balance is cleared, and once the final payment is made (plus any small option-to-purchase fee), the car is yours outright.

Are PCP and HP eligibility criteria different?

Yes, they can be. PCP (Personal Contract Purchase) sometimes has stricter criteria, because it involves a larger deferred payment (the optional final payment). HP (Hire Purchase) tends to be more straightforward, as you’re paying the full balance of the car over the term. Ultimately, it depends on the individual lender’s requirements.

Can I get good car finance with a large deposit?

A larger deposit usually lowers your monthly payments and may improve your chances of being accepted. However, on PCP (Personal Contract Purchase) agreements, some lenders cap the maximum deposit you can put down.

If you want to understand how a larger deposit may increase your monthly payments, 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.

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Can I get car finance with no deposit?

Yes, many lenders offer no-deposit finance, meaning you can drive away without paying anything upfront. Keep in mind that putting down a deposit can reduce your monthly payments, so it’s worth experimenting with the calculator on our car pages to see the difference.

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.

Can I get a new car with existing finance?

It’s often possible. Some lenders may require you to settle your existing finance agreement first, which can be done by part-exchanging your current car or selling it privately. Others may allow you to take out a second agreement if your credit profile and affordability are strong enough. To see what applies in your case, start with our free eligibility tool.

What documents do I need for a car finance application?

Most lenders will ask for a valid form of ID (such as a driving licence or passport). You may also be asked for recent proof of address and proof of income, such as payslips or bank statements (usually dated within the last 90 days). Some lenders may request additional documents depending on your circumstances.

Can I get rid of my car on finance?

Yes, you can, but you’ll need to settle the outstanding finance balance first. This can be done in a few different ways:

Paying the settlement figure directly to your lender – You can request a settlement figure and pay off the balance in full.
Selling the car privately – Use the proceeds from the sale to clear your finance.
Part-exchanging your car with us – We’ll settle the finance as part of the new deal, and any equity left over can go towards your next car.

You may also have the option of ending your agreement early under what’s called “voluntary termination.” This is where, once you’ve paid (or are willing to pay) around 50% of the total amount payable on your contract, you can hand the car back and walk away. The exact amount will be shown in your agreement, and you may still be liable for charges such as damage or excess mileage.

If you’re within the first 14 days of signing your finance agreement, you also have a cooling-off period, which allows you to withdraw from the contract without penalty.

The rules vary depending on whether your agreement is PCP (Personal Contract Purchase) or HP (Hire Purchase), so it’s always best to check with your finance provider. They’ll confirm your settlement figure and explain your options.

Can I get a payment holiday on car finance?

Whether you can take a payment holiday depends entirely on your finance provider. Some lenders may allow it in certain circumstances, while others may not offer this option at all. If you’re already in an agreement, the best step is to contact your lender directly to discuss what support might be available.

Can I use my own external finance to buy a car?

Yes, you're welcome to use finance arranged through your own bank or another lender instead of our in-house options.

If you use external finance, a separate admin fee applies. For full details on fees, please see our administration fees page.

Just let our team know during checkout or when you visit the branch that you'll be paying with your own finance, so we can structure the invoice correctly.

When will I receive my V5C logbook?

The V5C logbook is sent to you directly by the DVLA after we register the car in your name. You'll usually receive it within 4 weeks.

You don't need the V5C to drive or tax your car in the meantime. If it's been more than 4 weeks and you haven't received it, contact the DVLA directly.

What happens if I miss my appointment or don't show up?

If you can't make your appointment, please let us know as soon as possible so we can reschedule or cancel it for you.

If you don't turn up, your reservation fee won't be refunded. The fee is only refunded when you attend your appointment.

To change or cancel your appointment, please get in touch via our contact page.

What does it mean when a car is 'in preparation'?

When a car shows as 'in preparation', it means it's still going through our checks and reconditioning process. During this time, the car can't be reserved or booked for a test drive.

We would recommend leaving an enquiry on the car's page. This will ensure you are notified when the vehicle is ready.

How do I make a claim on my Cosmetic Maintenance plan?

Need to get some cosmetic damage looked at? No problem – if you have purchased Cosmetic Maintenance, your plan is there to help.

First, you'll need to check who your plan is with. Have a look at your policy documents – your provider will be either GardX or Shine.

If you're with GardX, see: How do I contact GardX about my plan?
If you're with Shine, see: How do I contact Shine about my plan?

How do I contact Shine about my plan?

If your Cosmetic Maintenance plan is with Shine, here's how to get your repair sorted.

Your Shine! Protect policy is provided by AutoProtect, and the easiest way to make a request is through their app or website.

To make a repair request:

Download the Shine! Protect app (available on Apple and Android – just search "Shine! Protect")
Or submit online at www.shineprotect.co.uk

You'll need to provide:

Your registration number from your agreement
Your postcode
Your surname
Where the damage is on the car
What type of damage it is
A photo of the damage

If your damage is covered, you'll be able to pick a date, time and location for the repair, then pay the call-out charge. You'll get a confirmation with all your appointment details.

One important thing: Please don't go ahead with any repairs without getting approval first – otherwise you might not be covered.

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How do I contact GardX about my plan?

If your Cosmetic Maintenance, Tyre & Alloy, or Paint Protection plan is with GardX, here's how to get in touch and make a claim.

To book a Maintenance Inspection:

Contact your local Carsa branch in the first instance – they'll be happy to help
If your branch can't complete the inspection for any reason, give GardX a call on 0203 192 1425 or email requests@gardx.co.uk and they'll find another approved agent for you
You'll need to have a copy of your Customer Schedule and terms and conditions handy

To request a Treatment:

Head to your personalised Customer Care Portal at myaccount.gardxconnect.com

To log in, you'll need the details from your Customer Schedule:

Your surname
Vehicle registration
Email address
Mobile number

If any of these details are missing or incorrect, drop an email to assureservices@gardxgroup.com or call 0203 192 1425 and they'll get it sorted.

One important thing: Please don't go ahead with any treatments or repairs without getting the go-ahead from GardX first – otherwise you might not be covered.

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How do I make a claim on my Tyre & Alloy Wheel Maintenance plan?

Got some damage to your tyres or alloys? Your maintenance plan should have you covered.

Your Tyre & Alloy plan is provided by GardX. Here's how to get in touch:

To book a Maintenance Inspection:

Contact your local Carsa branch in the first instance – they'll be happy to help
If your branch can't complete the inspection for any reason, give GardX a call on 0203 192 1425 or email requests@gardx.co.uk and they'll find another approved agent for you
You'll need to have a copy of your Customer Schedule and terms and conditions handy

To request a Treatment:

Head to your personalised Customer Care Portal at myaccount.gardxconnect.com

To log in, you'll need the details from your Customer Schedule:

Your surname
Vehicle registration
Email address
Mobile number

If any of these details are missing or incorrect, drop an email to assureservices@gardxgroup.com or call 0203 192 1425 and they'll get it sorted.

One important thing: Please don't go ahead with any treatments or repairs without getting the go-ahead from GardX first – otherwise you might not be covered.