Welcome to IBA Consumer Credit . What can I assist you with ?   My family really needs a car , we live quite far out of the town centre , but unfortunately we cannot afford to pay out such a large sum of money in one go .   That's a problem facing many young families nowadays , and we are sympathetic to the problem . That's why we have just started a new scheme ; a Personal Automobile Consumer Loan .   Great , I just hope I qualify ! Could you tell me some more ? Can I use the money to buy the car from anywhere ?   What we usually do is find a suitable car dealer for you , who offer the type of car that you need . If it's a family car that you want , we have a very reliable dealer already contracted to us .   Then I can go to this appointed dealer , see what they've got and then make a decision ?   Yes . When you have decided exactly what you want and have a purchase price we can begin to process the loan . As long as you provide the proper documentation , of course .   What do you require ?   A correctly filled in application form , ID card , proof of residency , proof of income , the agreement from the agent and of course the 20 % down payment .   That sounds fine . If you could give me the name and address of the dealer I'll go over there now and see what they've got . 