Apply For Finance
We can consider the following
*Working Full-Time.
*Working Part-Time.
*Self-Employed.
*Unable To Work On Disability Benefits (long Term).
*Retired With Pension.
*Semi Retired With Income.
Minimum paperwork required
Your I:D Driving Licence (Make sure it's up-to-date).
3x Current household bills (In your name and address).
1x Current council tax statement (In your name or parents name).
Bank statements for the last 3 months.
Last credit card statements.
2x anything that is historic (More than 3 months old older-the-better).
What to do first step by step
Step #1. Find all your paperwork (As listed).
Step #2. Give us a call "Say? You want to come and show us your paperwork & be formally approved".
Step #3. Once we have seen you and your paperwork and formally approved you. Your next step is to fill-in the affordability calculator (Below).
{The information gathered on the form is:- Your current financial evidence that you have NOT falsified or mislead in your personal financial situation, This information is required under the term: (Responsible Lending). This is your input to prove you are capable to pay the balance owed}.
We Might Be Able To Help
Excellent/Good Credit Rating:
Deposit can be [Set Low] with 0% interest over 1 to 2 years on the balance payments.
If you can meet the deposit required & meet the balance payments each month! Also making sure you can gather all the necessary paperwork we require!, Just complete the form at the bottom to start the process.
Good/Fair Credit Rating:
Deposit can be [Set Low] with 0% interest over 1 to 2 years on the balance payments.
If you can meet the deposit required & meet the balance payments each month! Also making sure you can gather all the necessary paperwork we require!, Just complete the form at the bottom to start the process.
Bad Credit Rating:
Deposit will be [Set Higher] with 0% interest over 1 to 2 years on the balance payments.
If you can meet the deposit required & meet the balance payments each month! Also making sure you can gather all the necessary paperwork we require!, Just complete the form at the bottom to start the process.
Getting Your Paperwork Prepared
Banking & credit card statements online
If you do online banking, Your bank statements & credit card statements are available to download as PDF files, Have a look on your online bank accounts for this option. We can accept these files sent through email rather then you having to print these all off.
Banking & credit card statements by post
If you don't do you're banking online! bring the original paper copies that your bank & credit card company sends to you.
Letters & other utility bills
Bring the original letter copies, These will then be copied and kept on file by us.
*See paperwork required below.
Affordability Calculator
You will need to complete the "Affordability Calculator" at the bottom of this page.
*Do this when you have been to see us and you have been formally approved.
Paperwork To Bring With You
We need as much of the paperwork you can provide.
#1). You need to show proof that your not struggling to support yourself.
#2). You need to provide solid evidence of where you are living.
We need to see 100% of your paperwork/evidence to be able to make a judgement.
What you will need to bring with you
Anything highlighted (Bold) below is a minimum requirement
Example - Household bills i.e. Electric/Gas/Water & Broadband/Landline/Telephone.
Example - Letters i.e. Council TAX Statement (If possible) & Rent / Mortgage.
Example - Other Letters i.e. Any insurances letters or anything similar.
#1). I:D Driving licence & Passport (2x forms of I:D if you have both).
#2). You need to provide a minimum of 3x household bills in your address.
#3). You need to provide a Council TAX statement for the property you're living in
#4). You need to provide a rent or mortgage letter/contract in your address.
#5). You need to provide any wage slips if you have any.
#6). Bank statements for the last 3 months & your last credit card statements.
#7). You need to provide at least 2x of anything that is historic (as old as you can find), These can be old household bills/Tesco club card etc in your name & address's of where you have lived at any time (This is to show that you have a passed life existence of more than 3 months).
Cross-Check: 2x forms of I:D (If available), 3x Current household bills, 1x current council tax statement, 1x current rent or mortgage letter/contract, Any current wage slips if you have any, Bank statements for the last 3 months, Last credit card statements, 2x anything that is historic (as old as you can find) in your name & address's (This is to show that you have a passed life existence of more than 3 months).
Agreement & Payment
Sale Agreement & paperwork
Once the sale is agreed, The paperwork will be processed & will be ready to be completed by you the next day.
Forms you will need to complete & sign
#1). Section 1.1 (Receipt Of Sale).
#2). Section 1.2 (Payment Plan).
#3). Section 2 (Sale Agreement).
#4). Vehicle as Described (Questionnaire).
#5). Payment Agreement.
#6). Terms & Conditions.
Payments
All deposits & monthly payments are paid through your bank account. You can either set up a standing order or do this manually.
