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Free Finance Check

Check your likelihood of approval without affecting your credit score.

Not sure if you will be accepted for finance? Why not check your eligibility to see the likelihood of being accepted for motor finance. It's free and you will see the results instantly!

How to check your eligibility

  1. Choose car that you like the look of, don't worry this does not mean you have to buy it!
  2. Tailor a finance package that suits you
  3. Click the blue "Free Finance Check" button and complete your details to see your results

How does it work?

CarFinanceChecker returns a range of finance offers applicable to your chosen car based on the our panel of lenders. These lenders will have carefully selected because we have a working relationship with them. The lenders will provide a choice of products and the newer the car the more options you will have.

Each lender will look at an application for finance differently. This is often reflected through the rates they offer, with the lowest rates being offered to the most creditworthy customers.

Some lenders are happy to consider applicants that have experienced credit problems or have little credit history, typically they will charge more.

We use a sophisticated credit decisioning engine which predicts the likely lending verdict from each provider of finance. Every lender uses a large amount of information within the process, which includes the following:


  • Vehicle information
  • Details of your finance requirements
  • Your personal circumstances
  • Information from your credit file
  • CarFinanceChecker uses the same or similar data to make its assessment.

Your Results

Once your personal information has been entered, CarFinanceChecker shows an “eligibility match” for each lender. These are displayed as follows;

High: A very good chance you will get an offer of finance from the specific lender.
Medium: You should get an offer of finance but their may be a few aspects about the deal or your personal information that have reduced the likelihood from very good to medium.
Low: You are less likely to get this deal based either on the structure of the dealer itself or your personal information.

The eligibility is not guaranteed and the actual decision, if you choose to apply to the lender, may well differ. Increasing the level of deposit is great way to increase the likelihood of approval. Reducing the duration of the agreement may also help, but you must ensure that you can afford the repayments and not tooverstretch yourself.

Along with the CarFinanceChecker results, you can also see a short video that will help you to understand more about each car finance product.