We are a credit broker, not a lender

Start Your Car Finance Journey

Apply now It only takes 2 minutes!
  • Quick & easy application form
  • Our expert team are with you at every step
  • Choose your car and drive away

3 Steps To
Your New Car

1

Simple application

Use our quick and simple application form to begin the process.
2

We sort your finance

Our specialist agents will search our panel of lenders to find a deal that suits you.
3

You pick a car

Choose a car from any reputable dealer and drive away!

Car Finance FAQs

Will I pay any fees for using your service?

No, you will not pay any fees for using Creditas' brokering services; we receive commission for referring you to the most appropriate lender.

Will I need to pay a deposit?

No, a deposit isn't required for most of our lenders, but it can lessen monthly repayments.

I have a vehicle to part-exchange, is it acceptable as a deposit?

Part-exchanging your vehicle could help with reducing your chosen vehicle's sales price, but the amount is reliant on the dealer's evaluation of its condition and age.

Can I still apply for vehicle credit if I have a poor credit rating?

Yes, please apply, as we will try and find you the best lending option available. However, you may be required to pay more, overall, for the credit.

What if I work part-time, can I still apply for vehicle credit?

Yes, please apply if your working hours total a minimum of 16 per week. You may also be offered a larger credit limit if you receive welfare benefits, so don't forget to mention these when applying.

I'm interested in vehicle finance; how do I apply?

It couldn't be easier; click on the Apply Now button to go to the quick online application form. Immediately after you have applied, you will receive a text advising you to reply with the word 'Search', as this gives us the required permission to undertake your credit search. Following this, you will receive a call from one of our advisors, so please look out for a call from our telephone number, which you are welcome to call us on: 01702 333 384.

Can I buy any vehicle from any dealer?

Yes, although it is important for you to undertake all appropriate checks to ensure the dealer is reputable and regulated by the Financial Conduct Authority (FCA). If you would like recommendations for any reputable dealers in your area, please contact us.

I have applied for vehicle finance, how long will the decision take?

Decisions can be made in an hour, but the process is reliant on: the speed at which the lender can confirm the terms of the agreement with us; and how quickly your confirmation to proceed is received.

How much interest will I be expected to pay?

The amount of interest you pay depends on the finance company's criteria, and to a variety of factors they take in to consideration whilst your application, is 'Subject to Status'. This means that they evaluate the risk of lending to you, and work out the interest according to their criteria. The factors considered are: your age; income; credit history; and the term of the vehicle finance.

Find Your
New Car Today