FAQ 2018-08-11T10:33:08+00:00

BAD CREDIT? NO PROBLEM!
IT’S EASIER THAN YOU THINK!

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Top FAQs
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What if ive been refused elsewhere?
If you have poor or bad credit, or you have been refused a loan elsewhere, the good news is that we still may be able to help. All we need is some information and then we will be able to work our magic, so give us a call or fill out an application today.
Can I buy my car from any dealer?
At The Car Loan People, if your finance application is approved, you are free to choose a vehicle from any reputable UK dealership. This means you have plenty of choice and gives you the freedom to find your dream car.
How do I apply for car finance?
The first step is to contact us here at The Car Loan People. You can either apply online or give us a call. One of our friendly and helpful staff will be happy to help.
01384 412 066
What documents do I need if I am accepted for car finance?
Usually all we will need is a copy of your driving licence. In some cases though, we may need a proof of address (utility bill, bank statement or council tax) dated within the last 3 months
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Frequently Asked Questions

We are able to help with finance if you have lived in the UK for at least 3 years.

Unfortunately we wouldn’t be able to help until your 18 years old.

Yes you can as long as you have income and a good credit rating we should be able to help.

Not necessarily but it does help if you are on the electoral roll, you may be asked to provide a proof of address.

You have to be 18 to apply and no older than 80 at the end of an agreement.

Not necessarily, you can put a deposit down which you are comfortable with and/or part exchange your existing car with us, even if there is finance outstanding on it. Our finance packages are built around you. Please speak to an advisor for more information.

Yes, depending which finance company has approved your application, so please check with your finance company directly.

The smallest lend we do is £2000 and the largest lend is £150,000. The shortest term we offer is 12 months and the longest is 7 years.

Yes, we can finance students. We just need to know what your income is and the source. In some cases we may need a parent to stand guarantor.

Yes, we should be able to help, as long as you have a good to excellent credit history.

Yes, if you’re self-employed we should be able to help with the finance no problem. We may need 3 months bank statements.

Yes, we can use your part exchange as full deposit. Just call us up for a free valuation.

Yes, we can help subject to your credit.

Yes you can, as long as you are over 18 and have a good credit rating.

This can be done very easily, we would need to get a settlement on your current vehicle, value your car and quote some new payments on a cheaper car. Downsizing is subject to status.

Yes, we can help depending on the amount of negative equity. We have a number of lenders who will lend over retail value.

Yes we can help. As long as you work over 16 hours per week.

Applications are dealt with the same day and you will receive an email or phone call with a decision and the next steps needed to continue the application process.

Different lenders take different approaches. If you face difficulty repaying a loan, the best course of action is to contact the lender immediately and explain the circumstances. Failing to keep up payments puts you at risk of having the car and any other assets you may have repossessed.

Subject to satisfying our normal credit criteria, and taking into consideration the affordability of the loan we can arrange up to the full amount of the vehicle being purchased, although in certain circumstances we may require you to contribute a deposit.

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