We Finance Any Car


I'm new to Car Finance, can you help me?

We're here to help. We recommend completing an on-line application form. It takes less than 2 minutes and we'll have all your details to help progress your application. We Finance Any Car will do all we can to assist and get you the best possible outcome. Remember, completing an application won't affect your credit score.

What is Hire Purchase (HP)?

Hire Purchase is the most common form of car finance. It is a simple and popular option. You have a fixed monthly payment for a set period of months. Once you have paid the final payment you own the car outright. There are other benefits such as, no mileage restrictions and no lump sum payment at the end of the agreement.

What rate of finance will I be offered?

As we're a broker not a lender, it's our job at we finance any car to compare our panel of lenders and offer you the best rate available based on your individual circumstances.

To finance any car do I need to have a Deposit?

The majority of our lenders offer no deposit finance. On the very rare occasion you may need a small deposit towards your vehicle. This can sometimes depend on the value of the car and how much the lender will lend against that car.

I have bad credit history, can you help me?

It's our job to help! Whether you have a BAD, POOR, GOOD, FAIR or EXCELLENT credit rating we are here to help match the most suitable finance deal to you. We work with a panel of trusted lenders who offer credit for all types of credit ratings who want to finance a car for you. Finance is subject to status and an approval can't be guaranteed, however all circumstances can be considered.

Can I buy a car from any Dealership?

Yes of course. We will conduct background checks on the dealership to ensure you are dealing with a trustworthy and reputable dealer. Let us check them out and report back to you.

What documents will I need to supply we finance any car?

Once a lender has accepted your car finance application, we ask you to provide proofs to validate your offer, including a copy of your full UK driving licence (photo ID part may also be required). We may also ask you to provide proof of your income (most recent payslips), your address, bank details and other proofs to support your application. But don't worry - your personal Account Manager will confirm what documentation is required from you as different lenders will have different proof requirements.

If I complete an application form will it leave a hard search on my credit file?

Applying with We Finance Any Car will not leave a hard search on your credit file. Our panel of lenders use soft search technology to pre-approve our customers when making an application. These are known as quotation searches and will appear on your credit file under secondary searches. Only you can see these details. Only if you proceed with the finance you have been offered will a hard search then be recorded to show you have an active credit agreement on your file. If you keep up with your repayments, this could also improve your credit worthiness when you next apply for finance.

What happens if I've been declined elsewhere?

We are here to help and don't make judgements on your credit history. Not everyone has a perfect credit score. That's why we work with a range of lenders who offer a selection of bad credit car loan options. With a wide range of finance options available, we're here to help you find the finance you need, even if you may have been refused credit elsewhere.

I have no credit history, can I get finance and will I need a guarantor?

Yes you can still be approved for finance with we finance any car, however, financing a car with no credit history can be a challenge, simply because lenders like to see proof of your ability to manage credit effectively. If you have no credit history, it may be worth considering a guarantor. With a guarantor, a third party - normally a family member, agrees to make the repayments on your loan, if you find you are unable to make the payments yourself. Having a guarantor will not only make you a more attractive lending option, but will also help to strengthen your credit profile for future credit applications.

Do we finance any car charge any fees?

We will not charge the customer any fees for using our service.

We finance any car is a broker, not a lender, so any charges we incur are covered by the fees we receive from the lenders for arranging your car finance with them. This means we finance any car will not charge any fees for checking a cars history or helping arrange finance.

How much can I borrow?

It's all dependent on your income, affordability and credit score. We consider all applicants and look to help everyone, including those with good credit, bad credit, refused elsewhere by all lenders, self-employed and even retired.

Can I part-ex a vehicle?

Yes of course, although a deposit isn't required by our panel of lenders, a part-exchange or cash deposit will be recognised, so increase the chances of securing your loan as it means you will be paying less each month.

Get a decision now!

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