What Documents Do You Need to Apply for Car Financing?
What Documents Do You Need to Apply for Car Financing?
26 February 2025 Concept Car
2024 was an outstanding year for us here at Concept Car Credit.
We’ve had the privilege of helping thousands of our amazing customers drive away in quality used cars, all on finance plans that fit seamlessly into their lifestyles and budgets.
Behind the scenes, we have been busy analysing which car manufacturers captured the hearts of drivers this year.
The results are in…let’s take a look at the top 4:
Ford
Once again, Ford has cemented its place as one of the top car manufacturers of 2024, thanks to its unmatched reliability, innovative features, and impressive range of vehicles. Last year, models like the Ford Fiesta, Ford Focus, and Ford Ranger dominated the charts.
From first-time drivers to car experts, Ford’s blend of practicality, performance, and affordability appeals to a broad range of drivers.
Ford’s ability to combine cutting-edge technology with value for money is unrivalled. From advanced safety features to intuitive infotainment systems, there’s an option for every need and driving preference.
This prestigious manufacturer also scores high on comfort, style, and peace of mind behind the wheel. There truly is a model for everyone – whether you’re in need of a dependable city car or a powerful pickup, you can explore Ford’s top models right here at Concept Car Credit, with financing options to suit your budget.
Nissan
Another one in the running for 2024 is Nissan. With a diverse lineup catered to a wide range of drivers.
Models like the Nissan Qashqai and Nissan Juke offer innovation and versatility, which has proven popular with our customers. Similarly to Ford, Nissan cars offer excellent value for money, with sleek designs and impressive fuel efficiency, combined with sophisticated technology and driver assistance systems. They seem to know exactly how to balance functionality with flair.
Whether you’re doing the school run or exploring countryside roads, you’re guaranteed a quality journey.
Our customers rave about Nissan’s dependability, thoughtful design, and ability to prioritise comfort and convenience.
Vauxhall
Year after year we put a huge percentage of our customers in the driving seat of a Vauxhall. It’s trusted by everyone – from student drivers to seasoned pros, there’s a model for every need.
There’s the spacious Vauxhall Astra, which is perfect for families or those embarking on long journeys that need to pack more than their morning coffee. Then, there’s the classic Vauxhall Corsa – a right of passage for younger drivers wanting a practical yet popular option.
No matter the model and age of your chosen car, you can benefit from modern safety features and infotainment systems to keep you connected when driving.
Offering sleek designs while keeping their customers in mind, customers are more than happy with their car choices.
It’s pretty affordable to run too, with noteworthy fuel efficiency and tax costs – perfect for budget-conscious drivers. And, if you’re looking for ways to make it even more cost-effective, finance options with Concept Car Credit allow you to split the cost into manageable monthly payments that align with your income and lifestyle.
BMW
For a more refined choice that combines luxury with performance, the BMW edges into the rankings.
Offering a dynamic driving experience with smooth and clean designs, there’s no wonder it’s a popular option with our customers – especially the 3 series and X5, which showcase how the manufacturer can cater to both traditional and modern drivers.
Yes, they look good, but this isn’t all. Upping their technological advances helps blend power and control effortlessly. Whether it’s navigating the city streets or open motorways, you can count on an enjoyable driving experience with BMW.
BMW is no stranger to quality craftsmanship, featuring premium interiors, meticulous detailing, and design focusing on driver comfort and engagement.
They also have the ability to cater to the diverse needs of modern drivers, promising a practical yet luxurious driving experience that’s different from the rest, offering innovation and a modern edge – the ultimate choice for those seeking more than just a car.
Our customers never seem too happy when their BMW on finance agreement comes to an end, telling our team they love the performance, innovation, and bespoke comfort.
Get a top car with Concept Car Credit
Like the sound of our best-selling models?
Of course you do!
We have a huge selection of models, makes, engine types, and specifications based on your unique needs. While we stock the best of the best, we have over 20 manufacturers to choose from, all at varying prices with finance plans ready and waiting for you.
Browse our range online or visit our showroom to see for yourself – you can even test drive your favourites to get a feel for the car.
Or, if you know what you want already, apply online and we’ll give you more information on the next steps.
So, you’re ready to take the plunge and get your next car on finance.
But what documents do you need to take or send off with your application?
The Concept Car Credit experts are here to reveal all.
Concept Car Credit car finance application
Every company is different, but here at Concept Car Credit, we’ll need some personal information from you to prove your identity and deem you eligible for a finance agreement.
You will be asked to evidence:
Your full name
Your date of birth
Proof of address
A full driving licence
Proof of income
Bank details
Relevant documents for your old car if part exchanging
Paperwork needed to apply for car finance
In order to provide the above details, there are a few bits of paperwork you’ll need, including:
Payslip or bank statement – To prove your income and employment status. It basically shows us that you’ll be able to pay every instalment of your finance plan and aren’t at risk of missing a payment.
A recent bill – This can be used as proof of address. We ask that it’s a bill from the last three months and has proof of your signature, too.
A picture of your driving licence – If applying online, a picture of your driving licence is needed. Any writing must be clear and easy to read.
You will need to provide these documents regardless of your credit score.
Will I get accepted for car financing?
If you’ve been refused in the past or are worried about your credit score affecting your application, it’s understandable.
Common reasons for refusal often include:
Missing paperwork
Personal details being inputted wrong
Being too young
Your employment status
If your earnings and savings are insufficient
But, just because you’ve been denied at one company, it doesn’t mean you will be at another.
We specialise in car finance with bad credit here at Concept Car Credit. While we look at your credit score for formality reasons, we won’t outright reject you because of your limited credit history.
We will get your finance deal sorted quickly at a monthly price that suits you, your budget, and your lifestyle.
Why choose car financing?
Wide choice of vehicles
Paying for a car outright limits many customers’ options – especially if it’s a newer, more advanced model.
With car finance, you can choose from a wide and varied selection of vehicles for you to choose from. Take a look at our available cars online today.
Cost
Instead of paying a lump sum for a vehicle, car financing allows you to split the cost into manageable chunks. This makes it easier to budget without having to use your disposable income to save for a car.
Flexible terms and options
We offer flexible and accommodating terms to all of our customers. With various contract lengths and options to pay the lowest fee, we ensure your car finance deal fits your financial situation and preferences. And, if life gets in the way, just let us know and we’ll see what we can do – you don’t have to worry about missing payments with us.
Improve your credit score
If you’re choosing us because you have a credit score on the lower end of the scale, car finance has the ability to turn this around.
Displaying financial responsibility shows potential lenders and credit reference agencies (CRAs) that you can pay back any borrowed money and manage your income, therefore boosting your score.
This will then make credit and loan applications in the future a breeze.
Apply for car financing now
Does car financing with Concept Car Credit sound like something you could benefit from?
Get your paperwork together and apply online now for more information on the next steps.