Frequently Asked Questions

What is your application procedure in order to be able to obtain a vehicle?

We need to see two forms of ID dated in last two months, (preferably utility bills), last two payslips (or proof of ability to pay), a bank statement from where regular payments are to be made, sight of your driving licence, proof of fully comprehensive insurance in place, and completion of our finance agreement.

Do you carry out any credit checks?

It is not a function of eligibility for this scheme to pass a credit check, therefore we do not carry one out.

How do I reserve a vehicle that I have seen online?

We require a £50 holding fee. If upon viewing or testing the vehicle you are not completely happy with it we will simply refund your £50 on a no quibble basis.

How long will it take to get the vehicle I have chosen ready?

Most vehicles displayed are available for immediate collection subject to all documentation being in order.

Do I have to pay for road tax on top of the price quoted?

All prices include car tax for the duration of the term.

What insurance cover do I need.

All cars must be insured on a fully fully comprehensive basis

Is breakdown cover included?

No, you would need to effect your own policy to cover this eventuality

Do your vehicles come with any warranty?

All vehicles come with 3 months warranty. In the unfortunate event of you having a problem, simply bring it back to our service centre (by appointment) and we will fix it for you free of charge.

Can I change my car for another at any point?

A feature of our agreement is that provided you have made all payments on time after 36 weeks you can change your car. There is an administration fee (currently £150) and if you do change your car you will be entering into a new agreement for the full term of the new car.

Do I have to pay weekly?

You can pay either weekly, fortnightly, four weekly or monthly, and on the day of your choice to suit your own particular circumstances.

Do I have to pay the 4 weeks advance deposit is there another option?

If you don’t want to pay the initial advance deposit, which covers you for the first 4 weeks payments then simply add £5 per week to the price displayed on the search results page.

What methods of payment do you accept?

The initial payment can be paid by cash or card, but all regular payments must be paid through a UK bank or building society.

Are there any final fees to pay at the end of the full term of the agreement?

Provided you have made all your payments on time under your agreement then there are no final fees to pay the car is yours.

Some vehicles say Cat C, Cat D, Cat N or Cats S next to them, what does that stand for?

It means that an insurance company has chosen to write the car off and pay out on the vehicle instead of repairing it. This can be for a number of reasons but usually the cost of the parts, labour and potentially expensive car hire would significantly exceed the value of the vehicle. As a result, these cars are often sold at special outlets that can repair the vehicles at trade prices – usually much less than an insurance company would be charged. Once repaired they are sold and simply go back on the road.

Please check with your insurance company that they will insure cars of this nature and note that some may charge you an extra premium to do so

There isn’t a branch near where I live can I travel to a different area to collect a car.

No sorry it is a condition that you live within the locality of a branch in order to obtain a car from us.