Check if you are eligible

See if you're eligible for car finance with an initial soft search application

It's easy, secure and you'll get a quick decision.

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Car finance calculator

Our simple car finance calculator

Quickly see what your monthly payments would be on your new car.

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Find a car finance deal to suit your circumstances

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Will not affect your credit rating

92
of our customers would recommend Stoneacre to a friend

What’s a soft credit search and how is it different?

When a lender or broker is considering your finance application, they have to conduct a background check. If your credit history is good, this shouldn’t be anything to worry about.


Unfortunately there’s a flaw in this method. If we did a full credit check when our customers apply for car finance, it will show up on their credit report, whereas a soft search car finance application will ensure that no footprint is left behind.


A full credit check alerts lenders that you’re looking for finance. If several searches pop up on your credit report, lenders might be reluctant to approve you because they think you are looking to take out multiple loans and view you as more of a risk.


Soft credit searches are the best way for us to qualify you for car credit. It doesn’t show up on your credit profile, so lenders won’t get scared off and it enables us to find the most suitable lender for your personal circumstances.

Soft credit checks with Stoneacre

You might be surprised to know that not many companies provide an initial soft search credit check during the comparison stage, putting your chances of getting a successful finance application at risk.


At Stoneacre, we don’t think you should be penalised for looking around for the best deal. We believe a soft credit check is best for our customers as there’s no trace on your credit report. Lenders won’t see multiple applications over a short period, so you can take your time and find your ideal finance package.


If you borrow money and pay it back, it makes your credit rating better, and we offer a range of finance deals to suit your needs, such as interest free car finance and car finance with insurance.

How do they help your credit profile?

We all know it’s important to keep an eye on your credit profile and keep it up to date. If you have many finance applications on your credit report, it has an effect on your future lending.


For example, if you were unsuccessful when you applied, it can appear like you’re not a reliable candidate for finance. We think this is unfair, as you might have been unsuccessful due to numerous hard credit checks carried out by lenders whilst they were trying to find you the best deal.


Here at Stoneacre, we do a soft credit check. This means we can see if you’re eligible for finance without anything showing up on your credit history. Our main goal is that you get the best finance deal to suit your circumstances and we work with a panel of mainstream and alternative lenders in order to achieve this.


You have nothing to lose as your credit rating is unaffected; it’s just as good as it was when you started.

Applying for soft search car finance

Applying for soft search finance couldn’t be easier. As we believe it’s the most ethical way to analyse your credit profile we’ll always carry out soft searches for all our customers during the initial application just to give us an idea of your eligibility. You can shop around as much as you like and your credit rating will remain the same.


There’s no need to worry if your financial footprint isn’t the best though; we always take your individual circumstances into account and our team of in-house underwriters specialise in helping people with bad credit.

Check if you’re eligible for car finance by filling out our quick-and-easy application form and a member of our award-winning car finance team will get in touch to help guide you through the whole process.

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Finance Disclosure

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0800 111 6768.

Representative example
Cash Price£11,500
DepositNil
47 Monthly Payments£219.24
Amount to Finance£11,500
Total Interest Payable£2,459.28
GMFV£4,054
Total Amount Payable£14,358.28
Option Fee (Included in TAP)£399
Term48 Months
Rate of Interest (Fixed)4.25%
APR9.3%
Miles per Annum6,000
Excess Mileage Charge6.0ppm