Apply for Renewal Our Renewal Process Before you Renew... Looking to Upgrade?

Our Renewal Process

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We understand that a customer’s circumstances change, you may need to update your vehicle to a newer model or a change of situation means you need a bigger car so we have created a simple 6 step process so that you can be in your new car as soon as possible. Take a look at the below information, which explains our renewal car finance process and shows you exactly how easy it is.

For help with your renewal car finance application, please call us on 01925 696 373 and we would be happy to answer any questions you may have about the renewal process.


Step 1:

Get a settlement figure. This is the amount you continue to owe on the sum you have borrowed – plus interest. You can request a settlement figure by calling our customer service team on 01925 696 370.


Step 2:

Get a valuation for your car. We would advise you take into consideration age and mileage of your car and also any damage that may be on the vehicle. Does the valuation cover the settlement figure amount? If it does, we would recommend that you apply for finance with us. If the settlement amount is larger than the car valuation, we would recommend you make a few more payments until the values are equal.


Step 3:

Apply for finance:

  • Please note that your existing finance agreement must be settled prior to taking out a new finance agreement and you are unable to add any existing finance into a new agreement.

Step 4:

Get a decision for finance – We will submit your application to our underwriting department for review. Once conditionally approved for finance we will provide you with a provisional credit limit.


Step 5:

Choose the perfect car – We will help you find your perfect car through one of our approved dealers. The majority of our dealers offer same day drive away, which means you could be driving away your new car in a matter of hours. You will need to provide all the documents we require and subject to these being approved, we can offer you a full approval for finance.


Step 6:

Sign your paperwork and drive away – Sign the paperwork online and then it’s time to drive away your new car. We would highly recommend you test drive the vehicle you want to purchase and ensure you have fully checked the car over. This is to make sure you are 100% happy with the vehicle.

You can follow the progress of your application through our application tracker which will provide you with updates on its status and the stage it is at.

There are no hidden fees or additional extras with our car finance so you know exactly what you are paying each month.

Apply to upgrade your car today in less than 2 minutes!


Representative example – Total amount of credit £7100, annual interest rate 15% (fixed), charge for credit £4270.24 (£4260.24 interest charged and £10 option to purchase fee), total amount payable £11370.24, 48 monthly instalments £236.88. 28.5% Representative APR – Subject to status, affordability and renewal eligibility criteria.