As a routine part of applying for credit, we’ll start by checking your identity and address.

Once you’ve told us about the car you want to buy, we’ll look at the figures including the value of your part exchange or what you have available as a deposit.

We’ll take into account your credit history to get a better understanding of your current position and ability to make repayments as part of a finance agreement.

To make sure you don’t take on more credit that you can afford to repay, we check your existing commitments (including the money you have coming in and your outgoings) so that you don’t overstretch yourself.

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