FAQs

Frequently Asked Questions – Car Loan 4 You

Welcome to our help centre — got questions about car finance? We’ve answered the most common queries below so you can understand how our vehicle finance works and what to expect. If you still need help, we’re happy to chat! Call 01782 899047 or email sales@carloan4you.co.uk.

General Finance Questions

Do I have to pay fees before approval?
No — there are NO up-front fees to apply with Car Loan 4 You. You only pay once your finance is set up.

Can I get finance if I have poor credit?
Yes! We work with a wide panel of lenders including specialist brokers who consider applications from people with poor or limited credit history. That means CCJs, defaults or past financial issues may not rule you out.

What about County Court Judgments (CCJs) or defaults?
Many of our lenders understand that life happens — and they’re willing to consider applications even with CCJs, arrears or past financial difficulties.

Is it better to apply jointly with my partner?
Often, yes — joint applications can strengthen your affordability profile and improve the chances of approval.

Finance Details

How much can I borrow?
It depends on your individual situation, such as income, expenses and credit profile. Every application is assessed on its own merits.

How long until I know if I’m accepted?
Most applicants hear back within a few hours. Once approved, your dedicated account manager will guide you on the next steps.

What is the APR rate?
APR varies between lenders and depends on your credit profile, loan amount, and term length. We’ll give you a clear breakdown once you’re matched with a lender.

Do I need to pay a deposit?
Most lenders we work with don’t require a deposit, but some may ask for a small contribution. This depends on the lender and the vehicle you choose.

After You’re Approved

Can I part exchange my current car?
Yes — we can provide a competitive trade valuation for your existing vehicle which can be used toward your next purchase.

What happens once I’m approved?
Great question! After approval, you can choose any reputable UK dealer to buy your car. Once you’ve found the right vehicle, let us know — we’ll take care of the rest, from lender checks to finalising the finance.

What if I can’t find a car right away?
Your approval is usually valid for 30 days. If you haven’t found a vehicle in that time, contact us and we’ll help you extend or advise on next steps.

Owning Your Car

What happens after I’ve bought my car?
After you collect your car, just keep up your regular repayments. Some of our lenders may allow you to upgrade to a newer or higher-value vehicle after part of your finance term has been paid.

Can I refer a friend?
Absolutely! If your friend completes their finance and collects their vehicle, you’ll receive a £100 referral bonus as our thanks.



Ready to Get Started?

Apply now for your free, no-obligation finance quote — and let us help you get into the vehicle you want, regardless of your credit history.