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Eligibility Criteria

If your customer has a car in mind and wants finance to help purchase it, we can help with this. The car must fit within the criteria below in order for us to consider a finance application for the vehicle.

Terms of HP Agreement Maximum Age of Vehicle at the time of purchase Maximum mileage at the time of purchase
60 Months 5 Years old 75,000
48 Months 6 Years Old 90,000
36 months 7 Years old 100,000

Applicants must be:


Aged between 18 and 70 years of age

In employment (full or part-time, and not in probation period) or self-employed (trading at least 1 year)

UK mainland resident for at least the last 3 years, if non-EU applicant you must provide residency/work permit

Documents we will require:


Last 3 months’ bank statements, 6 months’ if self-employed

Full UK driving licence

A month’s worth of payslips to prove income, most recent tax return if self-employed



Applicant must not be bankrupt or have been declared bankrupt within the last 12 months

If you are in an IVA or Trust Deed, your Insolvency Practitioner must have provided consent for you to take finance for a car

Applicants in a DMP will be considered

The vehicle must not be for commercial use, i.e. taxi, chauffeur, driving school, courier or other commercial purpose

Representative 19.9% APR

Complete our online enquiry form today or call us on 0800 009 4147 to see how we can help!

Representative Example: Borrowing £5,500 over 48 months with a representative APR of 19.9%, the amount payable would be £162.34 a month, option to purchase fee £10.00, with a total cost of credit of £2,302.32 and a total amount payable of £7,802.32