Car finance eligibility checker
See whether you could get approved for car finance - it’s simple, free, and won’t touch your credit score.
Check your eligibility todayRepresentative 29.9% APR
Average Customer Rating
How it works
How you can use our eligibility checker to get an idea of what you could borrow.
We need some information from you like your address, employment status and income. This helps us to understand your current circumstances, to give us a more accurate picture of what we could lend to you, meaning rates could vary depending on your personal circumstances.
Get an answer in minutes
It won't take long at all to get an answer on whether or not you're eligible for finance. Take a look whether you're on the train, at the gym, or just relaxing on the sofa!
Soft credit search
If you're working to improve your credit score, you don't need to worry about any impact to your credit file by using our eligibility checker.
Understand your budget
Avoid missing out on your dream car by knowing where you stand! By using our eligibility checker, you'll be able to look for your new wheels while having an idea of your budget.
What do I need to tell you, to find out if I'm eligible?
What do I need to tell you, to find out if I'm eligible?
We will need a few pieces of information from you in order to see if we can help you or not. Everything is done with our in mind but we will ask you for:
- Your full name
- Your address history
- Your date of birth
- Your employment status
- Your monthly income (after tax)
- Any additional outgoings (like childcare costs or commuting charges)
What we check when you use our eligibility checker
Our eligibility checker uses the details you provide together with a soft credit search to give you an instant indication of whether we're likely to be able to help. Here's what we look at:
- Age and residency: you must be 18 or over and a UK resident
- Address history: this helps us verify your identity and confirm where you live
- Employment status and income: we want to be sure you can comfortably afford your repayments
- Outgoings: regular costs like rent, childcare, and other credit commitments
- Credit history: a soft search shows us your existing credit profile without leaving a mark
Because the search is soft, your credit score isn't affected — so you can check as often as you need to without worrying about it.
A positive eligibility result is an indication, not a guaranteed approval. If you decide to move forward with a full application, we'll run a full affordability assessment and a hard credit check to confirm everything.
Hire Purchase: the pros and cons
Unsure if a Hire Purchase agreement would be suitable for you? We can help you weigh up the positives and negatives:
- Fixed interest rate
- Simple to arrange
- No deposit required
- Flexible terms (18 - 61 months)
- No annual mileage restrictions
- Fixed monthly (or weekly) repayments
- You own the car once the final payment is made
- Customers are protected under the Consumer Rights Act 2015
- Finance is subject to status
- You don't own the car until the final payment is made
- Because of the interest on your instalments, you end up paying back more than you borrowed initially
- The car's at risk of repossession if you don't keep up with repayments
- Not suitable if you plan on paying off your finance agreement within six months
Eligibility Checker FAQs
We don't just approve you, we move you.
Check your eligibility using our free online tool today, with no hard searches or obligation to apply.