Find out before you fall in love
An application takes a few minutes and does not run a credit search. We put it to Vizion Finance, who put it to a panel of lenders, and we ring you with what came back — every lender that said yes, cheapest first, and what we are paid stated.
- Apply, three short steps. What you want to borrow, about you, and whether it is affordable — we work the share of your income out and say so.
- We put it to the panel. Several lenders, one application. Vizion explain their checks before anything touches your credit file.
- Choose a car, or do not. An offer is not tied to one car. If you decide not to buy, nothing happens and it costs you nothing.
- Sign and drive. The agreement is signed on the lender's own journey, never in our software. We tax it, and the car is yours.
Representative example
Worked on the middle price of what is on the forecourt today, at our representative 12.9% APR.
Questions people actually ask
Will applying affect my credit score? Sending the application to us does not run a search. Vizion Finance tell you before any search that shows on your file, and a hard search happens only once you accept an offer.
What if I have been refused before? Tell us. A refusal on your file is not the end of it, and a panel of lenders will not all take the same view. We would rather know up front than waste your application.
Can I settle it early? Yes, and you will pay less interest for doing it. Ask the lender for a settlement figure at any time.
Is there a fee for arranging it? Not to you. We are paid a commission by the lender, and we will tell you what it is if you ask.
Can I part-exchange as the deposit? Yes, and that is the most common way people do it. Value your car first and the figure becomes your deposit.
How we are paid
ONECARS Garage Ltd is a credit broker, not a lender. We put your application to Vizion Finance, who place it with a panel of lenders, and we receive a commission from the lender you go with. The commission is a fixed amount that does not vary with the interest rate you are offered, so it gives us no reason to steer you; you can ask us what it is at any point and we will tell you. Sending this application does not run a credit search. Vizion Finance will explain their checks before anything appears on your credit file. Finance is subject to status and affordability; you must be 18 or over and a UK resident. Missing payments costs money and damages your credit rating — if you are not sure you can afford it, do not sign it.
Before you apply
Missing payments costs money and damages your credit rating. If you are not sure you can afford it, do not sign it — and we would rather sell you a cheaper car than a bigger loan.
ONECARS Garage Ltd is authorised and regulated by the Financial Conduct Authority, firm reference number 943671, as a credit broker and not a lender. Finance is subject to status and affordability. Applicants must be eighteen or over and a UK resident.