Frequently asked questions

No. The initial check uses a soft credit search, which isn't visible to other lenders and doesn't affect your credit score — however many times you check.

It varies by lender and time of day. Many customers hear back the same day; we'll give you a realistic expectation when you apply rather than promise a fixed turnaround.

Basics only to start: name, address history, employment and income. If a lender wants documents (bank statements, licence), we'll tell you exactly what and why.

No — and no responsible broker or lender can. Every application must pass affordability and status checks. Be wary of anyone who promises otherwise.

Possibly, yes. Lenders consider the CCJ's age, whether it's satisfied, and your current affordability. See our dedicated CCJ page for detail.

During an IVA you'll usually need your insolvency practitioner's permission; after completion more options open up. Specialist lenders consider both situations case by case.

Often, yes. Different lenders weigh the same file differently, and our panel includes specialists in adverse credit. One soft-search check tells you where you stand without hurting your file.

Not automatically. Lenders will look at your DMP payments, your remaining disposable income and how long the plan has run. Affordability is the key question.

Not always — £0-deposit options exist on some vehicles for some applicants. A part-exchange or small deposit usually improves both approval chances and total cost.

Typically hire purchase (HP): fixed monthly payments, and you own the car after the final payment. We'll explain the exact product and figures before you commit to anything.

No. The figures a lender offers — deposit, monthly payment, term, total payable — are the figures. We're paid by way of commission from the lender, which is disclosed and doesn't change what you pay.

Yes — you have a legal right to settle a regulated agreement early, and doing so usually reduces the total interest you pay. The lender will provide a settlement figure on request.

Blackpool Road, Kirkham, Preston PR4 2RE — a real forecourt, open Mon–Sat 9am–6pm and Sunday 10am–4pm.

Usually, yes — ask us about delivery when you apply. Collection from Kirkham is always available.

Qualifying vehicles include our three-year aftercare package. Ask at the dealership for the full inclusions, eligibility and exclusions.

Yes — we'll value it and put it towards your agreement as a deposit contribution, even if it has finance outstanding (we'll explain how settlement works).