Help & Advice

At We Finance Any Car we know that sometimes financing or finding the right car isn’t as straight forward as it should be. That’s why we are here to make the journey as smooth as possible.

Sometimes you just want answers to key questions. If you can’t find what you need, please call on 01277 80 80 80 or email hello@wefinanceanycar.com or use the contact form below

What do I need to do?

You can get more detail on the How it Works page but essentially you apply here using our soft search application. We then get you approved for the best rate via our extensive panel. Where you already have a car in mind from a reputable dealer we then help you secure it. If you are not sure what car to get we have a team ready to help you do that from a selection of thousands of FCA registered dealers and we can access over 300,000 used cars! Once you are happy with the car you simply sign the electronic agreement and have your car delivered to your door or collect it yourself.

Hire Purchase (HP) is the most common form of car finance. HP 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. Find out more here.

We Finance Any Car is a broker and not a lender which means that we have an extensive panel of finance providers. It is our job to find and offer you the best rate available based on your individual circumstances. Find out more here.

The majority of our lenders offer a no deposit or zero deposit finance option. 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 specific car.
Find out more here.

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 including specialist bad credit finance providers. Finance is subject to status and an approval can't be guaranteed, however all circumstances can be considered.
Find out more here.

In most cases – yes! We conduct background checks on the dealership to ensure you are dealing with a trustworthy and reputable dealer to protect you and the lender. If you have any query regarding a dealer and if we can work with them let us know so we can check them out and report back to you.
Find out more here.

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. 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 have different proof requirements.
Find out more here.

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.
Find out more here.

Don't Worry - 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 at the best rate possible.
Find out more here.

We do not charge customers 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.

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.

Yes of course! A deposit isn't required by our panel of lenders but a part-exchange or cash deposit will be recognised and can increase the chances of securing your loan as it means you will be paying less each month - particularly if you don't have a great credit history.

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