Finance at Kars Ltd
Are you interested in finance?
Our finance specialists are able to give finance to people who ordinarily wouldn't be able to get it, whether it's because of a bad credit rating or because you are self employed or a member of the armed forces. No matter what your situation we are usually able to help.
Can you provide finance that suits my circumstances?
Yes. Our finance experts can advise you on all finance options including hire purchase. Don't worry about your credit history, we'll do all we can to help.
Who do you work with to provide finance?
We use specialist brokers.
What is Hire Purchase?
Car hire purchase is a form of car finance. With our hire purchase options you can spread the cost of your car in a way that suits you. We offer flexible terms ranging from 12 to 60 months. Whichever you choose because the loan is secured on a vehicle, your other credit needs are left undisturbed.
What is your APR?
The APR's are typically very competitive against other car dealers, saving you time and trouble the broker will call you first to discus you options.
Do you offer 0%?
We don't offer an interest free finance product.
Over what period of time can I take my finance?
We offer a variety of terms from 12 months to 60 months (5 years), depending on the finance plan you have chosen.
Can I apply for finance online?
Yes. You can apply online via this link and we forward the information to the finance broker If you prefer, you can talk to one of our team member.
Can I apply for finance if I have a Provisional, EU or International driving licence?
Yes, but this is subject to the finance companies criteria and your personal credit standing.
What if I have a poor credit history?
A less than perfect credit history shouldn't stand between you and the car you need. That's why we work closely with customers with low credit scores. We always do our best to find solutions that suit everyone
How much deposit do I need for finance?
This depends entirely on the Finance provider, but there are occasions where Finance can be arranged without a deposit. Our finance broker will provide you with a full quotation and advise you on the various finance packages available.
How old do I need to be to apply for finance?
Under UK law you must be at least 18 years old to enter into a finance agreement.
What documents do I need to apply for finance?
- Your UK/EU driving licence.
- EU Passport if using EU driving licence.
- Two proofs of address dated within the last 90 days, e.g. bank statement, council tax statements or other utility bill.
- Sorry, we're unable to accept mobile phone bills.
What if I still have outstanding finance on my part exchange car?
Firstly you need to contact your existing finance provider and obtain a settlement figure. Once you have this, come in and get a value on your part exchange. When we have both these figures, we can work out how much deposit you have towards your next purchase, or if you need to put money in to clear your existing finance.
What if I don't have council tax statements, utility bills or bank statements?
We may still be able to help, just contact us on 01494 778234 for more information.
Is it possible to use my own finance provider?
It's possible to use your own finance provider finance companies will have to send documents to us. They will then want a receipt of the original documents before paying us for the car, which can lead to a delay in the purchase of your car.