Category: Car Finance
Can I get car finance with bad credit?
Car finance isn’t off the table if your credit score is going through a rough patch, but there are some considerations to keep in mind.
5 min read
Car Finance Guides
With so many types of car financing available, it can be hard knowing where to begin. We've created a selection of articles covering the various options, what they offer, and what to look out for. Read our guides and find the answers to all your car finance questions.
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- Category: Car Finance
How do I apply for car finance?
If you’re considering applying for car finance and are unsure about the process, this guide will help you through the key steps.
Article written by Sarah Neate
5 min read
- Category: Car Finance
What is PCP car finance?
Our guide will define PCP (personal contract purchase), break down exactly how it works, and give you the information you need to help you decide whether it could be a suitable finance option for you.
Article written by Verity Hogan
5 min read
- Category: Car Finance
What happens if I fall behind on car finance payments?
If you think you might struggle to make a car finance payment, our guide will help guide you towards support and available solutions.
Article written by Adele Kitchen
7 min read
- Category: Car Finance
What is hire purchase car finance?
Our guide explains how hire purchase works, compare its advantages and disadvantages, and help you decide whether it might be the right finance option for you.
Article written by Verity Hogan
5 min read
- Category: Car Finance
Should I apply for car finance or buy outright?
Undecided whether it’s better to buy or apply for finance? We run through the pros and cons of each to help make the decision that bit easier.
Article written by Adele Kitchen
6 min read
- Category: Car Finance
Who is the legal owner of a car on finance?
Discover the difference between being a car owner and a registered keeper, and find out who legally owns a car when you have outstanding finance.
Article written by Adele Kitchen
6 min read
- Category: Car Finance
Can I get car finance with a CCJ?
If you’ve had a CCJ in the past it may affect your chances of securing car finance, but it’s not impossible to find a deal. Check out our guide to find out more about CCJ car finance and how to find the right option for you.
Article written by Verity Hogan
7 min read
- Category: Car Finance
What checks are done for car finance?
When applying for car finance, eligibility checks are performed to predict what type of borrower you’ll be and whether you can afford the loan. Read our guide to learn more about the most common checks you can expect to face.
Article written by Verity Hogan
5 min read
- Category: Car Finance
What happens when a car on finance is written off?
Discover what classifies as an insurance write off and how it could impact you if you have outstanding car finance.
Article written by Adele Kitchen
6 min read
- Category: Car Finance
Can you part exchange a car on finance?
Part exchanging a car could help you cut the cost of your next vehicle or provide a deposit for a new car finance deal. But how does it work and what can you do to ensure you receive the best value? Our guide is here to help.
Article written by Verity Hogan
6 min read
- Category: Car Finance
How to sell a car on finance
Whether you’re looking to upgrade your car or are struggling to make your repayments, it may be possible to end your agreement early and sell a car on finance.
Article written by Verity Hogan
8 min read
- Category: Car Finance
What is car finance?
With a range of different types of car finance available, it can be tough to know which one is right for you and your circumstances. Check out our guide to find out more so you can make an informed decision.
Article written by Verity Hogan
5 min read
- Category: Car Finance
Am I eligible for car finance?
Considering car finance? Find out where you stand without affecting your credit score by using our free car finance eligibility checker to get a no- obligation quote in minutes.
Article written by Verity Hogan
4 min read
- Category: Car Finance
The pros and cons of car finance
Whether you’re looking to spread the cost of a new car, improve your credit score, or explore the different types of loan available, read on to find out more about the pros and cons of car finance.
Article written by Verity Hogan
8 min read
- Category: Car Finance
Is it hard to get accepted for car finance?
Find out what car finance companies look for when you apply and how you can improve your chances of approval.
Article written by Adele Kitchen
6 min read
- Category: Car Finance
Can I buy a used car on finance?
Considering used car finance? If you’re looking to spread the cost of buying a second-hand car into affordable monthly repayments, this guide should help.
Article written by Verity Hogan
9 min read
- Category: Car Finance
What credit score do you need for car finance?
There isn’t a minimum credit score needed for car finance, but a higher score can result in a cheaper deal. Some car finance companies specialise in car buyers with bad credit.
Article written by Emma Lunn
4 min read
- Category: Car Finance
Can I end my car finance agreement early?
Read our guide to find out more about the options available if you need to end your car finance agreement early.
Article written by Verity Hogan
9 min read
- Category: Car Finance
Can I swap finance from one car to another?
If your circumstances have changed, you may need to swap your car or finance deal before reaching the end of your term. Find out more about the options available to you.
Article written by Verity Hogan
8 min read
- Category: Car Finance
Is car finance a personal loan?
Find out all you need to know about personal loans for purchasing a car and how they compare to other types of car finance.
Article written by Adele Kitchen
5 min read
- Category: Car Finance
Can I get car finance with an IVA?
While an IVA can be an effective solution if you’re struggling to repay your debts, it may affect your chances of securing a car loan. Check out our guide to find out more about IVA car finance and how to find the right deal for you.
Article written by Verity Hogan
7 min read
- Category: Car Finance
Can I get cheaper car finance?
Whether you’re applying for a loan or aiming to reduce the repayments on your existing deal, there are steps you can take to find cheaper car finance.
Article written by Verity Hogan
8 min read
- Category: Car Finance
Can I buy a car on finance for someone else?
Considering buying a car on finance for someone else? Find out the options available and the potential drawbacks with our guide to car loan terms and conditions.
Article written by Verity Hogan
6 min read
- Category: Car Finance
What is voluntary termination of car finance?
Voluntary termination is your legal right to end a car finance agreement early and walk away. Find out how it works, how it affects your credit score, and whether it could be the best choice for you.
Article written by Adele Kitchen
8 min read
- Category: Car Finance
Do I need a driving licence to get car finance?
A full UK driving licence is often required when applying for a car loan, but getting car finance without one isn’t impossible. Find out more about the options available in our guide to getting car finance without a driver’s licence.
Article written by Adele Kitchen
8 min read
- Category: Car Finance
What type of insurance will I need with my car finance?
Car insurance is one of the most important things to consider when buying a car on finance. But what are the different types available, how can you find the cheapest policy, and should you get gap insurance?
Article written by Adele Kitchen
7 min read
- Category: Car Finance
Should I lease or finance a car?
Torn between leasing vs buying a car on finance? Discover the differences between each option, the restrictions that may apply, and how to decide which is right for you.
Article written by Adele Kitchen
6 min read
- Category: Car Finance
What is guarantor car finance?
Guarantor car finance is a type of car loan where someone else agrees to step in and make the repayments if you can’t. Read our guide to find out more about guarantor loans, their pros and cons, and whether they might be a suitable option for you.
Article written by Verity Hogan
6 min read
- Category: Car Finance
What is a balloon payment?
If you’ve ever considered taking out PCP car finance, you may have heard about balloon payments. But what are they and how do they work? Find out more in our guide.
Article written by Verity Hogan
6 min read
- Category: Car Finance
Can I refinance a car?
If your circumstances have changed and your current car finance deal is no longer right for you, a refinance loan could help you keep your car and find terms better suited to your needs.
Article written by Verity Hogan
9 min read
- Category: Car Finance
Can I get car finance if I’ve been bankrupt?
If you’re currently facing bankruptcy or have been bankrupt in the past, it can affect your chances of securing a car loan. Check out our guide to find out more about bankruptcy and car finance.
Article written by Verity Hogan
7 min read
- Category: Car Finance
What is 0% car finance?
Whether you’re looking for interest-free car finance or have seen 0% APR loans advertised, our guide will explain exactly how these work to help you decide whether they’re the right choice for you.
Article written by Helen Fox
7 min read
- Category: Car Finance
Can I have multiple cars on finance?
Looking to buy more than one car on finance at the same time? Find out how in our helpful guide.
Article written by Verity Hogan
7 min read
- Category: Car Finance
What should I do if my finance car is stolen?
Nobody wants to think about being a victim of theft, but there are steps you should consider if your vehicle is stolen during your car finance agreement.
Article written by Verity Hogan
7 min read
- Category: Car Finance
Can I get an instant decision on a car finance application?
Whether you need to move quickly to secure your dream car, or you’re concerned about your eligibility, find out whether you can get an instant decision on your car finance application and how to speed up the process.
Article written by Verity Hogan
7 min read
- Category: Car Finance
How can I transfer car ownership?
Whether you’re selling your car to a private buyer, giving it to a family member, or trading it in at a dealership, you’ll need to transfer your car ownership. Find out how to complete the process online or through the post with this guide.
Article written by Verity Hogan
6 min read
- Category: Car Finance
How to check if a car has outstanding finance
Know how to check if a car you're interested in has outstanding finance and what you can do to handle it.
Article written by Verity Hogan
6 min read
- Category: Car Finance
What is a conditional sale?
Find out how a conditional sale agreement works, its pros and cons, and whether it might be the right option for you.
Article written by Verity Hogan
8 min read
- Category: Car Finance
What is 0% car finance?
Whether you’re looking for interest-free car finance or have seen 0% APR loans advertised, our guide will explain exactly how these work to help you decide whether they’re the right choice for you.
Article written by Verity Hogan
7 min read
- Category: Car Finance
PPI and car finance explained
What is PPI, how was it mis-sold in the past, and does it still have a role to play in car finance? Find out in our guide.
Article written by Verity Hogan
6 min read
- Category: Car Finance
What is black box car finance?
If you’ve been unable to keep up with your repayments in the past, black box car finance with its in-built reminders could be a great option for you. Find out more in our guide.
Article written by Verity Hogan
8 min read
- Category: Car Finance
How does car finance affect a mortgage?
Wondering how car finance might affect your mortgage (or your chances of getting one)? Find out how a new or existing car loan can impact your credit score and affordability.
Article written by Verity Hogan
9 min read
- Category: Car Finance
What is negative equity car finance?
If your car is worth less than your outstanding finance, you’ll be in negative equity. Find out what you can do in this situation and whether negative equity car finance could be an option for you.
Article written by Verity Hogan
10 min read
- Category: Car Finance
Can I return a car on finance?
Whether you’re struggling to keep up with your repayments or simply need to change vehicle, you may be able to return a car on finance. Find out how in our guide.
Article written by Verity Hogan
7 min read
- Category: Car Finance
Can I make modifications to a car on finance?
Amping up your stereo? Bodywork needs a makeover? Aero could do with a spoiler? Read on to find out if you can make modifications to a car on finance.
Article written by Verity Hogan
5 min read
- Category: Car Finance
Can bailiffs take a car on finance?
If you’re struggling with debt and bailiffs get involved, your car may be at risk. But what if it’s on finance? Learn more about your rights in our guide.
Article written by Verity Hogan
8 min read
