Read our Frequently Asked Question's

You can either Apply Online or give us a call on 02392 378474 & One of our friendly personal Car Finance advisor’s will be happy to help arrange your Car Loan.
Yes, however this is more difficult as lenders prefer who people to be employed for over 16 hours per week.

We do accept benefits as income such as “Child Tax Credits, Working Tax Credits, Child Benefit, Disability Living Allowance, Carer’s Allowance & Child Support Agency payments. Housing Benefit, Council Tax Benefit will also be taken into consideration towards the income and expenditure calculations ”.

We would always advise a joint application as our acceptance is much higher when two incomes are provided i.e. wages and benefits. This is because most family’s use all income to budget their expenses, and so we need to prove that after you have paid all your existent credit and household commitments you can still afford the monthly repayments.

The Amount you can borrow will depend on a few things:–

  • Your Monthly Income (Wage & Benefit Income)
  • Your Monthly Budget
  • Your Credit file (The lower your credit score the higher the risk)
  • Vehicle Choice (Need for selected vehicle type)

Once we have all this information we can underwrite your application for your selected vehicle. Once Approved for Car Finance we take care of everything allowing you to drive your new car home the same day.

Credit Limits can be set between £2000 / £10000 subject to affordability and risk of each application.

Yes! We are Car Finance experts in helping people with a bad, poor or adverse credit history buy a car on credit.

We have helped many customers over the years drive home even when they have been bankrupt previously or currently in an IVA or debt management plan.

All we ask is that we can prove you can afford the monthly instalments.

Yes! We can help finance your next car if you are self employed.

All we ask is that you can prove your income.

We will accept your last 3 months bank statements showing money banked as proof of self employed income.

Generally we will total the income in the last 3 months showing on the bank statements divided by 3 as an average income, and set a credit limit based on provable income . In some cases we may ask for a joint hirer to spread the risk or increase provable income.

Yes! we can still approve you for car finance if you have been previously bankrupt.

All we ask is that we can prove you can afford the monthly instalments and that no previous credit accounts will cause you problems in keeping up with the new loan repayments.

We are able to help with Car Finance if you have lived in the UK for at least 2 years, we would advise you to have voter roll history and some previous credit.
Sorry No, our lenders require you to be 21 years old before they will accept you.
Usually all we need is a copy of your driving licence (Photo Card & Counter Part), Proof of Address (utility bill, bank statement or council tax) dated within the last 3 months, Payslip or Bank Statement for Proof of Income.
It is not necessarily but it does help if you are on the electoral roll as our finance lenders will be able to see trace of your current and previous addresses, you may be asked to provide a proof of address for previous years if not voters roll trace can be found.
Yes, we have lenders in place that can look at people in barracks, married quarters and still living at home with parents.
‘We keep a range of vehicles In Stock from these Manufacturers –

Ford, Vauxhall, Volkswagen, SEAT, MINI, BMW, Audi, Alfa Romeo, Peugeot, Honda, Skoda, Toyota, Volvo, Renault, Citroen & Mazda.

No sorry.

Our Finance packages are Hire Purchase Agreement’s and so the Loan is secured against the vehicle & so it is a requirement that one hirer must have a Driving Licence.

No , only one of the hirers on the agreement needs to have a Driving Licence to obtain a Car Finance Approval.

The only exception is if you already have a vehicle on finance and require a 2nd car finance loan then both hirers might need to have a Driving Licence.

Every vehicle that RightDrive Car Finance supplies will come with a FREE 3 Month Warranty.

Some lenders will offer extended warranty or even bundle them in with the finance payment.

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