Car finance eligibility checker

APR is the annual cost of borrowing. It includes the interest you’ll pay on finance, as well as any fees associated with the borrowing. The APR figure must be shown on all quotations and advertising materials, so it’s a good way of comparing different finance deals.

There are two types of APR: actual and representative. They’re calculated in the same way, but representative APR means that at least 51% of the applicants will get the rate advertised. The remaining 49% of applicants will be offered a different, usually higher, rate. Actual APR is the interest rate you’ll get when borrowing.

Our eligibility checker gives a good indication of your eligibility for car finance based on your credit profile. Without a full application, we can’t confirm if you will be approved for car finance. This is because the application process takes into account the amount you want to borrow and your personal circumstances, credit rating, employment status and your financial history.

To see your chances of being approved for a car finance agreement, we’ll ask for your:

• Name
• Date of birth
• Mobile phone number
• Email address
• Current address
• Previous address (if you’ve lived at your current address for less than three years)