We specialise in new-to-UK customers with no credit history. Add us to your panel and convert the deals other lenders decline.
of people living in the UK were born abroad
new-to-UK customers can't get car finance with traditional lenders.
In funding deployed.
Join the dealers and brokers already working with us.
Car finance for customers other lenders decline
We look at what other lenders don't. Using proprietary technology we check whether they can actually afford it. Open banking, employment, the full picture. Not just a credit score that doesn't exist yet.
If they can manage the payments, we'll find a way to make it work.
That means more approvals for your dealership, and more customers driving away happy.
It's what we're built for. While other lenders see a thin file or low address history as a problem, we see an opportunity.
We see that all the time. It's not a problem for us, so it's not a problem for your dealership.
Minimal UK address history needed. Your customers don't need years of history to get approved.
International or provisional. Both welcome. We won't turn away a deal because of licence type.
No paperwork to chase. Your customer completes everything digitally.
Hire Purchase, up to £25,000, with flexible terms from 12 to 60 months.
Submit deals via portal, API, or your existing dealer management system
Send us one deal or one hundred
Dedicated dealer support team
Decisions typically within 24-48 hours
No hard credit check until we're ready to say yes
Add us to your lender panel in minutes
Fill the gaps other lenders can't cover
Competitive broker commission structure
API integration available
Same underwriting standards, whoever sends the deal
Lots of them have rated us ‘Excellent’ on Trustpilot.
Join the dealers and brokers who are already saying yes to more customers.