How it works
From budget to keys, step by step
Six steps, and the first one happens before you ever look at a loan.
- 1
1. Work out your comfortable budget
Use the car budget planner to see how much you'd borrow, the repayment your spare cash can carry, and the running costs to plan for.
- 2
2. Read up on the loan type
Car loan, personal loan, secured or unsecured, dealer or private sale. Our guides explain each in plain English.
- 3
3. Start your application
Click through to our secure application partner and answer the questions accurately: income, expenses, what you're buying and how much you need.
- 4
4. See your options before you commit
Look over what's possible. Compare the repayment and total cost with your budget. Nothing is signed at this point.
- 5
5. Talk to a real person
If something is unclear, a real person can help with documents, timing and questions about the quote.
- 6
6. Approval and settlement
Approval can be quick, and funds may be available as soon as the next business day for eligible applicants. For a car, payment usually goes to the dealer or seller.
Start with the car budget planner, or if you already know your numbers, go straight to the apply page.
Common questions
Do I apply on this website?
No. This site helps you plan and understand your options. Applications are made through our secure application partner, and the apply button takes you there.
Will I see my options before I commit?
Yes. You can look over what's possible before you agree to anything. Take the time to compare the repayment with the budget you worked out in the planner.
How quickly could I have the money?
Approval can be quick, and funds may be available as soon as the next business day for eligible applicants. It depends on your documents, the lender's checks and, for a car, the seller.
Why do you ask for accurate figures?
Lenders must check that a loan suits your situation. Accurate income and expense figures lead to options you can actually afford, and avoid surprises later in the process.
Got your number? See what's possible.
Start an application with our secure partner, look over your options before you commit, and ask a real person if anything is unclear.
See your options first
A real person can help
Honest answers, better matches