Socialmotors > Car Finance Help Centre

Help Centre

Welcome to Socialmotors Help Centre. Here you have all the information and advice you need when buying a vehicle for cash or finance. The information below will give you a better understanding about how car finance works, and the knowledge to help you obtain the best finance deal available for you.

Car finance eligibilty
Financing a vehicle
Your credit
Available finance options
Upgrading finance
Application criteria

Car finance eligibility

> How it works

> Age requirements

> Deposits

> Documents

> Employment

> Income

> Licence

Financing a vehicle

> Car finance

> Van finance

> Taxi finance

> Motorbike finance

> Motorhome/Caravan finance

Your credit

> Refused (Bad credit)

> Credit score

> Bankrupt

> IVA’s, CCJ’s and Defaults

> Debt management

> Average credit

> Good credit

Available finance options

> Guarantor loans

> HP (Hire purchase)

> PCP (Personal contract purhcase)

> Personal Loans

> Loan amounts

Upgrading finance

> End a current agreement

> Part exchange

> Have existing finance?

> Voluntary termination

> Settlement Figure

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Application Criteria

Do you meet the hire purchase car finance application criteria?

To be eligable for car finance all you need is to…

Be aged 18 or over
Hold a full UK/EU driving licence
Be UK resident for 3 years
Have a Full time, part time job, be self-employed
Not bankrupt

Please note: if your income is 100% benefits you must be in receipt of a high rate benefit like DLA or PIP to apply for bad credit car finance.

Make an application

Visit our showroom

Car finance explained

What our customers think…

Socialmotors

4.2

Scott Royle

20:54 22 Feb 19

Really happy with my car and great service car delivered by a really nice bloke and everything felt very personal

Gayle Eaton

12:33 01 Aug 17

Very good service very happy

kim summers

13:30 13 Jun 19

Received my new car yesterday..... delivered all the way to Hull..... the gentleman who delivered it was very polite.....A big shout to David for all the hard work and patience finding me a nice car...... I am absolutely thrilled with it........ I would thoroughly recommend this company to anyone, David was very friendly and was helpful through the whole process from beginning to end and would hesitate to recommend this company to my family and friends, thank you 😊

Mark Dean

20:20 03 Mar 21

I had bad credit through a divorce this company took the challenge and came up with the car I wanted at the price that was well in My budget.The agent Dave was more of a mate then advisor was gen down to earth and honest and did his best not just 9~5 good service would use again and reccomend to excellent

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