Want to know more about car finance?

This might be the first car you've ever bought on finance. Or maybe you've bought all your cars on finance but there's one burning question you've always wanted to ask.

No problem, the finance experts at Smile Car Finance are here to use their know-how and experience to tell you just what you need to know.

We've combined our vast knowledge, built across more years than we'd care to think of, so that you don't have to worry about a thing.

Worried if you're eligible? No problem.

Not sure what the process involves? We're here to help.

Confused about the fact you never see any baby pigeons? Us too. Sorry, we can't help with that one.

But what we can help with is getting you a decision on car finance in just 60 seconds. But before you apply for car finance, here are a few FAQs that might just help you to drive away smiling.


What if I've been refused credit?

First of all, don't worry. If you have a poor credit history or you've been refused a loan, it's not necessarily the end of the line.

We work with lenders who specialise in helping people with bad credit get car finance. Now it's worth remembering that no car finance is guaranteed.

Everything from your age, employment, income and size of the loan has to be taken into consideration.

However, we have options available for most circumstances, including for people with CCJs.

Can I buy my car from any dealer?

We've done all the hard work for you, so you don't need to go to just any dealer. You'll get access to thousands of high-quality cars at the lowest possible prices, available right on your doorstep.

It's important to us that we not only offer the right finance deal but also the best value on the highest quality vehicles. So you can be confident that you wouldn't pay more money for the same car elsewhere.

Once you've applied for car finance online and your claim is successful, you'll be sent a selection of cars that meet your budget. If you can't see one you like, just let us know.

Can I trade in a car as part exchange?

You won't necessarily need a deposit, but we can certainly accept a part exchange as a down payment. This will also reduce the total amount that you borrow.

With a reduction in the amount of the loan, you're more likely to secure the loan. Plus, you'll be paying less each month.

I have fair credit, can you help me too?

There's no reason why not. We have plenty of finance options available for people with fair credit.

With our skills and experience, we can search the finance market for the option that suits your needs and circumstances best.