Your finance, Your way.

Good news; it doesn’t. As part of the application process, we perform a soft credit check to ensure we can get an approval from one of our lenders. Your credit report may be updated to reflect this, but your score will remain unaffected. A hard credit check is only done once you lock in a finance option.

If you’re over 18 years old and have a minimum of three years’ address history in the UK, you can apply for a vehicle loan with Your Vehicle Finance.

Receiving a decision takes less time than you think. Once you hit send on your application, we’ll do the rest and offer results within minutes. We’ll then assign you a dedicated account manager who will phone to double-check your details and explain the next steps.

The total cost of financing your car is determined by how much money you borrow, plus interest and any other charges you’ll pay over the course of your loan repayment period. Hire purchase repayments generally include a portion of your loan and interest payment. The interest rate is influenced by several factors, like your credit score. Increasing your credit score can help you access more favourable rates.

Being refused by other lenders doesn’t automatically exclude you from applying, and we do our best to help customers who have previously been unsuccessful. It can be disheartening but loan or finance refusal doesn’t have to be the end of your search. Some of our lenders specialise in arranging car finance for people with bad credit.

At Your Vehicle Finance, once your finance has been approved in principle, you’re free to choose a vehicle from any reputable dealership. 

Choosing a car, van, motorbike, caravan or motorhome from a reputable dealer means that you’re more likely to have a positive experience due to our stringent checks.  

Looking to part exchange your existing vehicle?  

Many finance companies recognise part exchange as just as effective as a deposit when arranging finance. Here at Your Vehicle Finance, you could part-exchange your car and use it as a deposit in a new finance deal. Our dedicated account manager can guide you through the whole process including agreeing a part exchange price with the dealer so you don't have to. 

If you already have finance on the car you want to part exchange, your existing finance will need to be settled. This is something that we can help you with, just let your account manager know when we are building the deal.