How Clever Car Finance Works

Apply for car finance online

Apply Now

Click here to apply online. Your application is securely encrypted and sent to our underwriters. It normally takes us between 1 and 12 working hours to advise you of the outcome. You will be notified initially by, email, SMS message and post but should you feel you would like to check the progress of your application at any stage, please do not hesitate to contact our customer service team on 01422 330887 and we will be more than happy to advise you of the current status of your application. Rest assured we'll get you the best deal possible.

Choose your car from any dealership

Buy your car from any UK dealer

Once your accepted you will be given a credit limit that's valid for 30 days. You can then buy to any UK car dealership that holds a credit licence.Then when you've found the car you like, just call us with the details. We will HPI check the vehicle - to ensure the car hasn't been written off, has no existing finance and confirm the mileage is correct. We provide you with an independent valuation of the vehicle and finally provide you with a strictly no obligation quote

Sign and drive away

Sign the paperwork and drive away!

If your happy with the repayments and the service you've received we'll send the documents to your chosen dealer to be signed. Once we receive the signed documents back they are passed to our completion team who will ensure your case is completed quickly and effortlessly. Then once completed, the funds are sent directly to your chosen dealership and your free to drive away your new car!. So what are you waiting for Click Here to apply now!

Apply for Car Finance Now

What we can help with...

  • tick Bad Credit
  • tick CCJ's
  • tick Defaults
  • tick No voters role
  • tick Self employed
  • tick Nil deposit deals
  • tick Poor credit car leasing
Apply Now

Car Finance & Leasing

We also offer great car leasing plans to those that have been refused elsewhere. Leasing is a great alternative for people who know they can afford the repayments but are struggling getting the finance. Why not view our lease deals page or click here to view our current deals. Remember we don't sell cars we just provide the car finance allowing your to shop around for the best deal possible.

View Deals
Typical APR 19.9%
thank you for visiting clever car finance