0% APR Finance

Customers will need to consider whether Personal Contract Purchase or Hire Purchase is more suitable for their requirements. Once deciding on the finance type customers will need to apply for 0% Finance, if it is available on the product they are purchasing.

• Full name (and previous name if applicable)
• Date of birth
• Marital status
• Residential status
• Address history for the past three years
• Bank details
• Proof of identity (e.g. a valid UK passport)
• Proof of current address (e.g. a utility bill dated in the past three months with full name and current address on it)
• Valid, full UK driving licence

Will I get accepted for 0% Finance?

Customers are more likely to get accepted for 0% Finance if they have a strong credit score. In addition to application details, financial lenders will use information from credit reports to determine whether to accept the finance application. Free credit scores can be accessed from companies such as Experian, Equifax and Transunion to give a rough idea of how likely lenders are to offer finance.

Young drivers may find it more difficult to be accepted for finance unless they have a strong credit history, as lenders are unable to determine the ability of a customer to make repayments.

It is possible that customers will end up paying higher monthly repayments if opting for 0% Finance as they are can sometimes be limited to a shorter period of time compared to other finance options. However, this is not always the case.