A pre-approval gives you an indication of how much you may be able to borrow before choosing your car. It remains subject to lender conditions, final checks and approval of the vehicle.

Yes. That’s the whole idea. We can help arrange your pre-approval first, giving you a clearer budget before you start shopping.

Instead of relying on one finance option, we assess your circumstances against a panel of more than 50 lenders and help identify a suitable fit.

No. We use our experience to assess your situation and identify suitable options before submitting an application to a lender.

Many pre-approvals are completed within 24 to 48 hours once we have the required information. The exact timeframe depends on your circumstances and the lender.

A formal finance application may place an enquiry on your credit file. We’ll explain the process before submitting and avoid sending applications to multiple lenders unnecessarily.

This depends on your income, expenses, existing commitments, credit history and the vehicle you intend to purchase. We’ll assess the numbers and help establish a realistic budget.

Usually identification, proof of income and recent bank statements. Self-employed applicants may need to provide some additional business information.

Potentially. A few past issues do not automatically mean you cannot get finance. We’ll review your full situation honestly and explain what options may be available.

We can finance vehicles purchased through dealerships and, in many cases, private sellers. The vehicle and seller must meet the chosen lender’s requirements.