Yes! With car finance, you have the flexibility to select where you'd like to have your car serviced or repaired, even if you didn't purchase it from a main dealer.

Absolutely! At  Car Finance, we offer convenient tools to assist you in your car buying journey. If you're considering Hire Purchase (HP) finance, utilize our HP finance calculator to plan your budget. For Personal Contract Purchase (PCP) finance, simply find your desired car on our website, and with a click, you can access an instant estimate of your monthly costs based on our representative APR of 11.9%.

We strive to provide instant finance decisions whenever possible. In some cases, it may take a bit longer, but rest assured, we'll keep you informed every step of the way regarding the progress of your application.

Car finance offers a convenient way to purchase your dream car. It allows you to spread the cost over a period that suits your needs, rather than paying the full amount upfront. At UK Car Finance, we provide two primary options: Hire Purchase (HP) and Personal Contract Purchase (PCP), both offering fixed-rate monthly payments with a tailored approach to interest.

Applying for car finance may influence your credit score, as lenders typically conduct a hard credit check on your profile. Multiple hard checks within a short timeframe can impact your credit score for up to six months, potentially affecting future credit approvals.

However, with UK Car Finance, you can use our car finance checker to assess your likelihood of approval without impacting your credit score. It provides instant clarity and enables you to explore cars within your budget, utilizing only a soft credit check.

If you're worried about your credit score affecting your car finance approval with UKCarFinance, we understand your concerns. While a low credit score may impact your chances of approval, there are steps you can take to enhance your creditworthiness and increase your likelihood of approval in the future:

1. Ensure Timely Payments: Make sure you're consistently making all regular payments, such as your mobile phone bill, on time. Timely payments demonstrate reliability to lenders.

2. Manage Your Credit Utilization: Avoid maxing out or getting too close to your credit card limits. Keeping your credit card balances low relative to your credit limits can positively impact your credit score.

3. Space Out Credit Applications: Be mindful of applying for multiple lines of credit within a short period. Too many hard credit inquiries can negatively impact your credit score. Allow some time between credit applications to avoid this.

4. Register on the Electoral Roll: Ensure you're registered on the electoral roll at your current address. Being registered can help validate your identity and improve your credit score.

Improving your credit score not only increases your chances of car finance approval but also enables you to access better interest rates, ultimately saving you money in the long run.

For further guidance on enhancing your credit rating, you can visit reputable sources like Experian for valuable tips and insights.