HELP & ANSWERS
Car finance questions, answered.
A practical starting point for understanding finance repayments, eligibility and the application process.
✓Clear steps. No pressure.
FREQUENTLY ASKED QUESTIONSHave questions?
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Helpful answers to common car finance questions.
See all FAQs ↗Does checking my options mean I am approved?+
No. Sending an enquiry is not approval or pre-approval. A lender decides whether to offer finance after its own assessment.
Can I finance a used vehicle?+
Finance may be available for eligible used vehicles, depending on the lender, the vehicle and your circumstances.
Can I buy from a private seller?+
Some lenders consider private-sale purchases. You may need additional information and vehicle checks.
How do the repayment estimates work?+
Our calculator uses an illustrative annual interest rate and term to estimate principal and interest repayments. It does not include lender fees or other costs.
Will an enquiry affect my credit score?+
Submitting the initial enquiry on this website does not itself initiate a credit bureau check. A lender may request consent to complete a credit check later in the application process.
Do you charge a broker fee?+
Fees, if any, must be explained before you proceed. Check the financial disclosure page and ask our team for details relevant to your application.
Can I refinance an existing car loan?+
Refinancing may be an option in some circumstances. Consider all new fees, existing exit costs and total repayments before deciding.
What happens to the information I submit?+
We use your information to respond to your enquiry. We will seek relevant authorisation before sharing it with participating lenders. See our privacy policy.