Once a lender has accepted your application for a car loan, you'll need to fill out a few documents before the finance can be completed. We'll ask you to fill out a Creditplus Customer Pack and lender documentation. To validate your finance offer you'll be required to provide proofs, including a copy of your full UK driving licence (photo ID part may also be required). We may also ask you to provide proof of your income (most recent payslip), your address, bank details and other proofs to support your finance application. Your Customer Advisor will confirm what documentation is required from you as different lenders will have different proof requirements. If you have any concerns on gathering your documentation, please get in touch.
We’ve tried to make it as easy as possible for you to send us your documents once you've applied to us. In your Customer Centre area, you can easily download the documents that you'll need to sign. Just download, print them out, sign them, scan them back into your computer and upload them back into the Customer Centre area.
If you choose to upload your documents to the Customer Centre area of our website, they'll need to be in a certain format. To ensure that your documents are compatible with our system, you'll need to upload them as either .pdf, .doc, .docx, .wps, .rft or .jpg. Scanners often upload images at a very high quality, so you'll need to ensure that the document you're uploading is no bigger than 5MB. If you're having problems or are unsure of how to reduce the size of the files, try one of the following steps:
If you're still having issues, simply call your dedicated Customer Advisor who'll be able to help you.
When you apply for a car loan, it's essential that you fill out the documents required. By signing these documents, both parties are protected in case something goes wrong. We require proofs from you to ensure that the major details you've provided us with are correct. This is to prevent someone taking out car finance in someone else’s name or using a previous residential address.
Whether or not we can accept your passport in place of your driving licence is dependent on the lender we have matched you with. Some lenders are happy to accept a passport, whereas more traditional lenders will require your driving licence. Generally, the driving licence is considered the most important part of your application for a car loan, and we'll usually need to see it at some stage in order to process your application.
If you can’t locate your licence, it's not necessarily a problem - just contact us and let us know, and we can make arrangements for the lender to check your licence directly with the DVLA using a DVLA mandate check. This allows us to check you are who you say you are, and that you also have a current and clean licence. In this instance you'll need to give your authorisation for the check to be carried out.
You must have a valid driving licence in good condition (photocards expire after ten years) otherwise your finance application cannot be processed. There are some lenders on our panel who'll accept a provisional driving licence. In addition to this, it's worth noting that if you have 9 points on your licence, you may struggle to obtain a car loan, as you'll pose a higher risk to the lender if you lose your licence. If it’s easier, we're also able to accept documents by fax, e-mail or post. When sending any documents by post we recommend that they're tracked in case they get lost, as we cannot accept responsibility for any lost documents.
If you require further assistance, our team of Customer Advisors are here to help. We're open six days a week - you can view our opening hours here - and we're more than happy to answer your questions.