Up to 95% of our cars are priced below market value
Saving customers up to £3,000 compared to other dealers
How our administration fees work
All retail customers in the UK do not pay any admin fee on their purchase. However, trade sales customers and customers exporting vehicles overseas will pay a compulsory admin fee of £350.
Will this finance be used to repay an existing vehicle finance agreement?
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What is your current monthly payment on your existing loan?
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£
Do you foresee a downturn in your financial position during the term of this agreement?
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What is the reason for the expected downturn?
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What do you expect your reduced annual income to be before tax and other deductions?
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£
Your Income & Outgoings
Car finance
Review Your Details
Check your details, then View Results to see your approval likelihood across multiple products and lenders
Personal details
Title:
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First Name:
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Last Name:
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Email:
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Phone number:
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Date of birth:
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Driving License Type
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Other details
Marital status:
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Number of dependants
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Address Details
Income & Outgoings
Annual income:
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Take-home pay
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Annual household income
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Finance to be used…
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Monthly mortgage/rent
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Total monthly bills
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Current loan monthly payment:
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Expected downturn reason:
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Reduced annual income (before tax):
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Foresee a downturn in finances?
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How this finance check works
Big Motoring World works with iVendi to identify finance products you may be eligible for. Using the details you've provided, along with lender underwriting rules and credit bureau data, we'll share your information with the lenders listed below and run a soft credit search — this won't affect your credit score.
About Credit Reference Agencies
For full details on how we use your data, your rights, and who we share it with, see our Privacy Policy.
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Your vehicle
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Your vehicle
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Quote Breakdown
Glossary of Terms
Helping you understand key financial terms
Information about Eligibility
Eligibility Checker
The eligibility checker provides an indication of your likelihood of being approved for finance. It helps save time and avoids unnecessary hard searches, protecting your credit score. However, it is a guide and not a guarantee, as it relies on information provided by lenders.
Eligibility Indicators
Eligibility indicators assess your chances of being approved for finance. They are categorised as "Pre-Approved," "High Eligibility," "Medium Eligibility," "Low Eligibility," and "Not Eligible." These ratings are based on the data provided by lenders and your financial profile.
Eligibility Categories
Pre-Approved
You meet all known criteria and the lender has confirmed pre-approval.
Limited to lenders who provide complete information. Final approval still depends on a full application and hard check.
High likelihood of approval
You have a strong likelihood of being approved based on the available data. Lenders may not provide all criteria details. Final decision subject to full application.
Alternative Offer
You meet some of the known criteria however the lender was unable to offer you credit for the Quote Requested. Instead they have confirmed you may be eligible for an Alternative Offer.
Limited to lenders who provide Alternative Offer where they detail the Maximum advance or Maximum Monthly Payment amounts. Final approval still depends on a full application and hard check.
Medium Eligibility
Approval is possible but uncertain due to incomplete data or marginal fit with criteria. Higher risk of rejection. Consider reviewing credit details before applying.
Low Eligibility
Low likelihood of approval due to a mismatch with criteria or limited data. Applications at this stage could impact credit score negatively if rejected after hard checks.
Unable To Assist
You do not meet the basic eligibility criteria provided by the lender. Application is unlikely to succeed; avoid applying to minimise credit score impact.
Credit Reference Agency Searches
Credit reference agency searches are checks carried out by lenders to assess your financial history and borrowing behaviour. A soft search is used for eligibility and does not affect your credit score. A hard search is performed when you formally apply for credit and is recorded on your file, which can impact your credit score.
Financial Terminology
Indicative Quote
An initial, non-binding estimate of the price or terms that may be offered. It provides an idea of potential costs but is not a final offer.
APR (Annual Percentage Rate)
The total cost of borrowing expressed as an annual percentage, including interest and certain fees. Useful for comparing finance options.
Pre-Approval
A conditional offer from a lender based on the information provided. It is not a guarantee and may be subject to further checks and validation.
Pre-Approved
An offer of finance at an agreed rate which, subject to validation of the data entered, you would be approved for.
Soft Search
A preliminary check of your credit file that does not leave a visible record or impact your credit score. Used to assess eligibility before applying for credit.
Hard Search
A detailed check of your credit file, conducted during a formal credit application. It is recorded on your credit file and may affect your credit score.
Quotation Search
A type of soft search used to estimate eligibility or potential finance terms. It does not affect your credit score or appear on your credit file.
Representative APR
The rate that must be offered to at least 51% of successful applicants. Your personal rate may differ depending on your circumstances.
Indicative APR
An estimated rate provided during eligibility checks. It gives you an idea of potential borrowing costs but is not guaranteed.
Total Amount Payable
The overall cost of a loan, including the amount borrowed (principal), interest, and fees over the term of the agreement.
Credit Score
A numerical representation of your creditworthiness, based on your financial history and information from credit reference agencies.
Deposit
An upfront payment towards the total cost of a purchase or loan. It reduces the amount you need to borrow.
Early Repayment
Paying off a loan before the agreed term. Some lenders may apply charges for repaying early; always check your agreement.
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