Car Finance FAQs

Car finance lets you spread the cost of a vehicle over a fixed period — typically 1 to 5 years — rather than paying in full upfront. You make monthly payments, often with interest, until the agreement ends.

We offer three main types: Personal Contract Purchase (PCP) with lower monthly payments and an optional balloon payment at the end; Hire Purchase (HP) where you own the car outright once all payments are made; and Personal Loans for straightforward car buying without mileage restrictions.

Yes. Unlike some lenders, we support purchases from both franchised dealerships and private sellers, giving you much more flexibility when choosing your car.

No. Getting a quote with Bigpage uses a soft credit search only, which is invisible to other lenders and leaves no mark on your credit file. A full credit check only happens if you choose to proceed with a lender.

Yes. Our panel includes lenders who specialise in all credit profiles, including those with defaults, CCJs, missed payments, or a thin credit history. We'll always present the best available deal for your situation.

You must be at least 18 years old, a UK resident, and have a regular income. Beyond that, eligibility varies by lender — we'll match you with options that suit your profile.

We can arrange finance from £3,000 up to £75,000 over terms of 12 to 60 months. This covers everything from budget used cars to premium and electric vehicles.

No. We show you the full cost of your finance before you sign anything — including the total amount repayable, monthly payment, and APR. There are no broker fees charged to you.

Yes. Under the Consumer Credit Act you have the right to settle early at any time. Paying off early can reduce the total interest you pay. Contact your lender directly to request a settlement figure.

Most customers receive a decision within minutes of submitting their application. Once you've signed your agreement online, funds are typically transferred to the dealer or seller within 24–48 hours.

You'll typically need proof of identity (passport or driving licence), proof of address (a recent utility bill or bank statement), and proof of income (payslips or bank statements). Everything can be submitted digitally.

No. Bigpage isn't authorised and regulated by the Financial Conduct Authority (FCA). We act as a credit broker, not a lender, and we always present clear, honest information before you commit to anything.