What do we need?
For all applications we need . . .
Your full name
Your date of birth
Your home addresses for the last 5 years
Employment details or your business details if you are self employed
Bank details
To confirm your I.D. we need to see copies of . . .
A copy of your UK passport 
A copy of your driving licence
A utility bill from your home address 
A copy of your mortgage or tenancy agreement 
Copies of the last three months full bank statements 
If you don't have all your documents . . .
In some cases we understand that you may not have all this information to hand, so don't panic. Call our office and we can discuss your situation and clarify what you will need.
We only need copies of these documents at the initial stage; however we will need to verify these documents before you collect the car. The reason for this is that we ensure that every applicant is indeed the person on the documentation; we take your ID safety very seriously.
As well as these documents we will also need details of the following, which we can take over the phone or via our on line application form;
Deposits . . .
You will of course need a deposit, the minimum deposit three payments for the Easy 3 plan, from four months up front for Easy 4 and cars you find your self from about 20% . Deposits do vary depending on your circumstances and the vehicle you are buying, but all the figures will be available prior to you making any decision.
You are of course not obligated to any agreement until you sign the finance document, and at anytime we will be happy to give you any advice that you may require free of charge.
Aword of warning . . .
To get anyone underwritten for finance, irrespective of their circumstances ANY lender will need a certain amount of information, no matter what you are told by other people this is the case. If you think about it, would you give anyone a £75,000 Range Rover without ensuring who they are? So if you are promised a car, without providing any information take care REAL CARE.
It is not uncommon for us to get applications from people who have had their deposits taken and never seen a car! To keep you safe we never take the deposit, they are always taken by the supplying garage.
There are strict laws relating to lending, so the paper work we need is directly rated to ensuring the person making the application is indeed the person on the application form. This prevents ID theft and fraud. We also have an obligation to ensure that we lend responsibly, i.e. making sure you can make the payments.
However, it must be remembered that we look at every application on its own merits and we don't credit score. So once we have the proofs of ID, its a simple matter of getting you signed off for that new car. We have developed our business to ensure we give you the best possible service and at the same time making the process easy to follow.
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