How do I order a car?

Firstly select the car which you are interested in from the drop down boxes on the left hand side of our home page. We have now developed our website to that allows you to search for either a specific manufacturer or vehicle or by your monthly budget. Once done you can chose from a list of cars that meet your need. When you decide on a car you can either:

• Simply complete the quick and easy online application form and one of our sales executives will deal with your applications quickly and efficiently.
• Alternatively you can call our sales office on 08456 447777 and speak with a sales advisor who will handle any queries you may have with the car.

Once you have chosen your preferred car our advisors will take a nominal deposit from you (usually £250) and process your application and through one of finance underwriters. Once accepted all that’s left for us to do is arrange either the delivery or collection of your car.

It really is that simple!!

What will you do with my details?

All finance applications are treated in the strictest confidence and your details will be kept totally between ourselves and the finance company in line with the requirements of the Data Protection Act. If our finance company needs to speak with your employers or bank, then we will speak with you to gain your agreement to this before before anything else is done.

I have a poor credit history, will I still get finance?

In many cases, you can still be able to obtain finance. However, depending on the circumstances you may be required to take a different car or indeed not be able to take the interest free finance over 5 years; however we work hand in hand with a specialist in this area of finance and will advise you on the necessary steps required to re build your credit profile.

How long will it take?

Once your application has been submitted one of our advisers will be back in touch within a 24/48 hours. In some cases this might be a little longer but generally speaking the majority of applications are back within the day.

What kind of accident, sickness and redundancy cover can you offer?

It is part of our job to offer you an accident, sickness and redundancy package. It is entirely up to you if you take the package, however, we do recommend that you seriously consider it.

Can I apply if I am self-employed?

Yes, we can arrange an interest free loan if you are self-employed and run your own business. We even have facility to help you if you have recently started your own business.

What documentation do I need?

Once you have selected a car and had your proposal accepted we require certain documentation to be signed and sent back to us prior to your collection or delivery:

• A signed finance document and direct debit mandate – (this will be sent out to you by one of our business managers)
• A copy of your driving licence – including photo-card if applicable. Please note this must be in your current home address
• A copy of your passport
• A copy of either a utility bill or bank statement, again in your name and current address which must be dated within the last 3 months
• The above items are required by all finance companies and must be sent prior to delivery.

Do I need to pay a deposit?

As you will see from the details on our website we advertise "nil deposit" and we will always propose you to our finance company in this way; however there may be times when you require a lower monthly payment and are willing to put some extra cash in as a deposit. In addition to this some finance companies may well ask for a deposit based upon the individual circumstances. The carbank however, do take a £250.00 holding deposit on all cars which are ordered. This deposit can indeed be credited back to you on the day of collection or as in most cases be left to come off the finance balance. Your adviser will give you further information on this if necessary.

Can I settle my finance at anytime?

Yes you can settle your finance at any point during the term, simply call one of our business managers and we will request and send to you a settlement figure in due course.

How much cash can I put into the deal?

Basically as little or as much as you want; If you want to achieve a low monthly payment then you can put in an amount of cash required to achieve this and take the balance on zero percent finance for up to 5 years.