Your eligibility score is generated using Click Dealer's free credit checker tool, ClickCreditCheck, which is powered by the UK's largest motor finance broker, Evolution Funding Limited.

Evolution Funding ('Evolution') will request information held about you from two credit reference agencies, Experian Limited and Equifax Limited. This data is compared, using sophisticated algorithms, against a large anonymised pool of past car finance applications.

This generates an indication of your eligibility for car finance at this point in time and is not a statement or representation of your creditworthiness or credit health in general.

We will not provide any credit information contained within your personal credit reference reports, nor will Click Dealer or Evolution pass this information to a third party. You (and any dealer/introducer involved) will see information generated by Evolution, including an indication of cost and an eligibility score.

You will need to provide personal information so that the relevant information can be requested from Experian and Equifax to generate your eligibility score. You will need to provide information including full name, address and time at address, date of birth, and contact details.

A credit reference agency, such as Experian or Equifax, is a company that collects personal information from various sources and provides personal information for a variety of uses, including to prospective lenders of credit for the purposes of those lenders making credit decisions about their prospective customers. Providers of personal information that credit reference agencies hold about you include but are not limited to; lenders such as banks, mail order companies, mobile phone or broadband providers and credit card companies. Other sources of information also used include Electoral Register, County Court Judgments and Bankruptcies. Credit reference agencies use this data to create a credit report on you.

The checker gives an indication of your eligibility for car finance, including likely cost. Whilst this is highly predictive of a customer’s eligibility, it is only indicative and does not take into account other information required for a full application, including but not limited to your employment status, income levels, and the vehicle you are considering buying.

You should always ensure any financial commitment you enter into is affordable to you for the duration of the contract and your ClickFinance eligibility score is not an indication of that. Evolution Funding Limited, Click Dealer Limited and any associated dealer partner cannot be held liable for how you use the information generated and the accuracy of the results given.

Car finance is a way to spread the cost of purchasing a vehicle over time. Typically, a lender provides the funds to buy the car, and you repay the amount borrowed through monthly installments over an agreed period. Common car finance options include Personal Contract Purchase (PCP) and Hire Purchase (HP), each offering different benefits. The car finance process usually involves a credit check, choosing a payment plan, and finalising the agreement. At the end of the term, you may own the car outright, return it, or upgrade to a new vehicle, depending on the finance option chosen.

If you're looking for Car Finance in Nottingham, we offer flexible plans tailored to a range of budgets and circumstances. We also provide a Car Finance Soft Credit Check option, allowing you to check your eligibility without affecting your credit score.

Hire Purchase is a type of car finance where you pay for a vehicle in fixed monthly installments over an agreed term. With HP, you typically make an initial deposit, followed by regular payments that cover the cost of the car plus interest. Unlike some other car finance options, ownership of the car transfers to you only after the final payment is made. This option is ideal if you want to own the car outright at the end of the agreement and prefer a straightforward payment structure without mileage restrictions.

HP is a popular choice for those looking for cars on finance in Nottingham, especially customers who value clear terms and eventual ownership. It's also a suitable option for individuals exploring car finance for bad credit in Nottingham, as HP agreements are often more accessible to those with less-than-perfect credit histories.

Yes, many people are eligible to get a car on finance, but approval depends on factors like your credit score, income, and financial history. Lenders assess your ability to make the monthly payments before offering finance. Even if you have a low credit score, there are specialist lenders who may still provide options, though the terms might be less favorable. It’s important to explore different finance deals and choose one that fits your budget and circumstances.

To help you check your eligibility without affecting your credit rating, we offer a soft credit checker for car finance, allowing you to explore potential deals safely. It’s important when searching for car finance to compare your options carefully and choose one that fits your budget and circumstances.

It is possible to have two cars on finance, but approval depends on your financial situation and ability to manage the repayments for both agreements. Lenders will evaluate your credit score, income, and existing financial commitments to ensure you can afford multiple finance plans. If you meet the criteria, you can finance a second car, but it's essential to budget carefully to avoid overextending yourself financially.

If you're exploring your car finance in Nottingham options for a second vehicle, it’s especially important to review your affordability and long-term budget. We at Carlton Car Centre offer a car finance soft credit check, allowing you to assess your eligibility for a second agreement without affecting your credit score. If you meet the criteria, you can finance a second car.

Personal Contract Purchase is a flexible car finance option where you make lower monthly payments compared to some other plans. At the start, you pay an initial deposit followed by monthly installments. These payments cover only part of the car's value, as you're not paying to own the car outright. At the end of the agreement, you have three options: make a final balloon payment to own the car, return the car with no extra cost (subject to mileage and condition limits), or trade it in for a new PCP deal.

PCP is a popular option for those exploring car finance in Nottingham, especially drivers who want the freedom to change cars regularly or keep monthly costs down. It's well-suited for individuals who may not want to commit to full ownership from the start but still want a reliable, late-model vehicle.