Due to unprecedented demand, we suggest leaving a £100 deposit to avoid disappointment. You can leave a deposit through your chosen vehicles detail page.

How to know if you can get finance

If you are wondering about getting car finance for your next used car purchase, then you’re in the right place. We know that finance can be confusing and so, we are here to make it easier and to answer all of your questions, before you even apply. So, how do you know if you can get car finance?

The short answer is that you don’t, and we know that is probably not the kind of answer you want to hear! However, there are a number of ways you can increase your chances of being approved and finding out whether or not you are likely to be accepted.

Before we get into it, it is important to know that there is no such thing as guaranteed car finance, so if someone is offering this, know that it isn’t a real thing and everyone is subject to checks when applying for car finance.

So, improving your chances of being accepted, there are a few ways around this. The first thing is to make sure you are registered to vote, as being added to the electoral role generally goes in your favour. Another thing you can do is make sure you have a steady income and proof of it too, so make sure you keep hold of payslips and try to get paid on the same day each month. If you’re self-employed things can get trickier so do get in touch to chat through this. Another thing you can do is to put down a deposit on the finance agreement, and minimise the amount you would like to borrow.

Applying for finance can harm your credit rating in itself, so make sure you opt for a soft search first to see the chances of finance and to look at some rough numbers before you head into a hard search. If finance is something you are looking for, please get in touch with a member of the team at Hilton garage who will be more than happy to help.