Most Frequently Asked
It couldn't be easier; you can either apply quickly and securely online or give us a call one of our friendly personal
car loan advisors will be happy to help. Whichever way you choose your application shouldn't take more than a minute or so to complete.
Yes, you can. We’re experts at providing
car finance for people who have had problems obtaining credit. As long as you are not currently bankrupt, having a poor credit rating doesn’t stop you from getting a
car loans with us, even if you've been refused before. We have deals to suit everyone whatever your situation or credit history.
Certaintly Not! We don't charge any fees for you to apply. Our service is completley free of charge and always will be.
Yes. Every day we help customers who have been turned down by other lenders. Our acceptance rate is always one of the greatest.
We will try to process all applications within the hour, although sometimes it can take a little while longer. In most cases we can give you a decision on your
car finance application shortly after you apply.
Usually all we will need is a copy of your driving license and wage slip. Worst case scenario we’ll need to see a copy of your driving license, utility bill and 3 months personal bank statements. However if you’re applying on behalf of a company we’ll also need 3 months business bank statements.
Yes, we’re more than happy to help you find the perfect car FREE of charge, just let us know what you’re after and we'll search our extensive database of approved vehicle dealers for you. (Please see the recommennded dealer page).
That all depends on how much you wish to borrow and how long you take to repay it. We’ll tailor your car loan to make sure your repayments suit your budget. We don’t encourage people to borrow more than they can comfortably afford to repay.
Yes. We take pride in our confidentiality agreements. We’re registered under the Data Protection Act (DPA) and work closely to their confidentiality guidelines. (Please refer to our
privacy policy contained within the terms and conditions, for further details on how we process your information).
GAP Insurance is a vehicle protection plan that covers the financial gap often left when car insurance pay-outs are lower than expected should your car be stolen or declared a write off.
GAP Insurance isn’t a replacement for your car insurance, but useful addition that offers protection against serious financial loss. All the finance plans we offer are available with optional GAP Insurance for your peace of mind.
For thirty days, although an extension can usually be arranged if buying your car is delayed for any reason.
Your credit limit takes into account a number of things, such as your credit history and income. We find for the majority of our customers we're able to offer the credit limit they request.
You will need to inform us straight away of the following information. The registration & mileage of your chosen car, the dealer details & the amount to finance. We will then be able to value your chosen car & give you your monthly payments.
Our new ''My Account'' area lets you see how your application is progressing, and gives you access to your documents. You can view or download your paperwork at any time, and it’s all protected by a username and password decided by you, so everything is safe. (Depending on which lender you have been accepted by, this feature may not be available and your documents sent directly to your chosen dealership).
Our customers mean everything to us, and we’re always asking for their views and feedback to make sure our service remains second to none. If you’d like to hear what they have to say please visit
http://www.reviewcentre.com/reviews126265.html.
Car Loan 4U is authorised and regulated by the Financial Services Authority, and licensed by the office of fair trading under the consumer credit act 1974. Licensed Credit Broker. All finance is subject to status and income. Written Quotation on request.
Registered office: Car Loan 4U Ltd, Winterton House, Winterton Way, Macclesfield, Cheshire, SK11 0LP.
Registered in the UK. Tel: 0871 220 6007
