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car finance FAQ's
If you have any questions that aren't covered in this list, please contact us on 08717 502 495 or email sales@creditplus.co.uk, and our advisors will be happy to help.
How much interest will I pay?
How do I choose my next car or van?
How much can I borrow?
Are there any early term penalties?
I have negative equity in my current car which is on finance
What car or van can I buy?
Do you take part exchange vehicles?
How long does the whole process take from applying for a loan to getting my new vehicle
Can I buy a car privately?
What types of driving licence do you accept?
What proofs do you require?
Do I get to see the car?
Can I include money for insurance and RFL?
What does payment protection cover for me?
How does GAP Insurance work?
How much interest do I pay? |
How do I choose my next car or van?
|
How much can I borrow?
|
A Lending limit will be given to you once you have applied online, depending on your circumstances this will vary, however a good rule of thumb is to work on up to 6 times your net monthly income.
Are there any early term penalties? |
Our Underwriters will advise you on the funding method being provided as this will affect your early term and cancellation rights, please ask for assistance so as we provide you with accurate information specific to your needs
I have negative equity in my current car which is on finance |
We can still help even if you have a current loan with a higher value than your existing car, see our vehicle valuation pages to get a good idea of what your vehicle is worth, Creditplus will then advise how much we can offer as part exchange / or where best to go to maximise the value of your existing car. Provided you have no more than £2500 of negative equity we can still assist you further.
Vehicle criteria does vary, however this is a good guide.
| Age of Vehicle | Maximum Mileage Allowed | Max Loan Term |
|---|---|---|
| New | N/A | 60 Months |
| 1-3 Years | 80,000 | 48 Months |
| 6-9 Years | 100,000 | 36 Months |
| 9+ | 120,000 | 24 Months |
Do you take part exchange vehicles? |
Yes we can offer a part exchange value or advise on the best way to get top dollar for your existing vehicle. Please see our Car valuations.
How long does the whole process take from applying for a loan to getting my new vehicle |
Normally the whole process takes from 2 to 4 working days dependant upon how quickly you find a car or van.
Can I buy a car privately? |
Creditplus cannot provide finance for a private sale as we provide vehicle finance products. If you require a personal loan call 08717 502495 and our sister company will provide you with this service.
What types of driving licence do you accept? |
Full UK / Provisional / European – International licences not accepted.
What proofs do you require? |
Do I get to see the car? |
Can I include money for insurance and RFL? |
Certain vehicles on monSthly promotions allow us to provide a cash back facility to help with motor insurance etc.. Please ask our customer services team for assistance.
Whichdeal Limited trading as Creditplus is authorised and regulated by the Financial Services Authority.
Waterloo House, Fleets Corner, Nuffield Road, Poole, Dorset, BH17 0HL, UK Copyright © 2005-2010 Whichdeal Limited, all rights reserved. Co. Reg. No 04997789. Tel: 08717 502 495 | Fax: 08717 509 892/3 | The finance you need - The car you want
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