Question 1

What do I need to apply for car finance?

Accepted Answer

You’ll need the following documents to apply for car finance online:A device to access the form on is required - a phone, laptop, desktop computer or tablet - our website has been optimised to work across all such devicesA valid email address and UK telephone numberA minimum three years’ of address and employment detailsSo, make sure you have to hand the specifics. If you have all that, applying for car finance online should be a simple affair and we look forward to hearing from you.

Question 2

How long does it take to apply for car finance?

Accepted Answer

When applying online through our finance form, it only takes few minutes and you’ll also get an instant decision on your eligibility.After your online journey, and if you are eligible for finance, you will then speak with one of our in-house team to take you through the rest of the process.

Question 3

How does filling in your form help me?

Accepted Answer

Our online car finance form is a springboard for those wanting to quickly get into a new car. Getting acceptance at this stage ensures subsequent processes are straightforward and take as little time as possible.With our finance form being a device to check your eligibility for credit, you can rest assured that whether you’re deemed eligible or not, there won’t be a full search recorded on your credit profile. This is especially good for those who may have a history of poor or bad credit and might be worried about any further damage to their profile when applying for car finance online.

Question 4

What should I expect after completing your form?

Accepted Answer

Regardless of the decision on whether you’re eligible for finance or not, we will be in touch by either phone or email with further information.For those who are accepted, we can:- Arrange a visit to our dealership to see a car of interest- Get the finance in place ahead of your visit This is to ensure there is minimum work to be done when in branch to collect your new vehicle.If you’ve unfortunately been deemed ineligible for finance at this point, all is not lost. While it might not be possible now, we can offer coaching to improve your credit rating with a plan to get you eligible in the near future.

Question 5

Am I eligible for car finance?

Accepted Answer

Whether or not you are eligible for car finance will depend on many factors such as your current financial situation, employment status and age to mention just a few. We work with some of the most flexible finance providers in the industry which has enabled us to achieve a two-out-of-three acceptance rate so I'm confident that we'll be able to help you get car finance no matter what your situation is. You can submit a free online application for a quick decision.

Question 6

Can someone else apply for car finance for me?

Accepted Answer

Unfortunately not - this is because the person who is applying for car finance is considered to be the main driver and owner of the car.It’s considered risky by lenders and known as an ‘accommodation deal’ if you try and get finance for someone else.So for example, if two people live at the same address, lenders see it and connect the dots. It is better to try and improve your own credit score, rather than applying through someone else.

Question 7

Is same-day car finance possible?

Accepted Answer

Same-day car finance is definitely available - if your car finance application is accepted, you should be able to drive away right away as long as the car is also ready for you. We always aim to act quickly once someone has submitted our online form, so this can be made possible.

Car Finance at Stoneacre

Apply for car finance online

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