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 report. Without a full application, we can’t confirm if you’ll be approved for car finance.

The final decision is made by the lenders we work with who run a hard credit check on your credit profile. A hard credit check allows our lenders to consider your full circumstances when reviewing your application.

Too many hard credit checks over a short period can affect your credit score for six months, which could reduce your ability to get approved for credit in the future.

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)