F.A.Q

Explore our huge selection of cars on our Used Cars Page. Each listing includes detailed information and images for your convenience.

Certainly! To facilitate part exchange, we need the registration and mileage details. If your current vehicle is on finance, we'll require the settlement figure, registration, and mileage. Get a price for your part exchange now

Yes, we deliver cars UK wide (Except Northern Ireland) Delivery is FREE within 25 miles of NE3 5HE. We only change a small fee for everywhere else.

Certainly! All our cars come with a FREE 3-month warranty Parts and Labour.

Yes, we understand the importance of finding the perfect car, and we're open to exploring options to source the vehicle you desire. Just give us a call on 0191 580 4227 and one of our team will be happy to help find your perfect car.

No, our expertise lies in cars, and we do not sell vans

Yes, absolutely! We encourage customers to schedule a test drive to ensure the chosen vehicle meets their expectations.

The application process is simple and convenient! Click here to start your journey towards owning your dream car.

If your score is excellent we offer some amazing deals from our extensive lending panel. We can provide fantastic rates from only 10.9% APR!

At Really Easy Car Credit we have a huge panel of lenders who cover the whole of the market. We have specialised lenders that are able to help people who have had a chequered past and maybe been declined elsewhere. We are car finance experts and our motto is "If we can't get you car finance... No one can!"

Yes we only provide finance for our own range of quality cars

Absolutely! We understand the excitement of getting your first car. If you have a provisional licence, We do have a selection of lenders who finance people with a provisional licence. Provided you're actively working and earning £1200 or more monthly after tax, and have held the provisional licence for three years or less.

Of course! We encourage joint applications for couples sharing the same address. In some cases this can help you buy a more expensive car as lenders take into account both of your incomes for affordability

Certainly! If you're on an Individual Voluntary Arrangement, we require a letter of permission from the IVA company to process your application.

No need to worry! We only perform soft searches, ensuring your overall credit score remains unaffected. If and when you gain an approval and wish to proceed, only then is a hard search performed by the approving lender.

Unfortunately, no. Really Easy Car Credit is not an actual lender and all finance is provided by external funders who all require you to take out an actual credit agreement

Absolutely! We understand the flexibility of self-employment. If you're self-employed, ensure your income is paid into the bank as lenders don't accept people who can't prove their income.

Yes, we welcome applications from individuals on benefits

Yes, You will always have the flexibility to settle the finance earlier than the agreed term.

No, you do not have to pay a deposit. There may be some occasions where your lend limit wouldn't enable you to finance the car you would like to buy. In these circumstances you would need to have a deposit of the difference. Deposit requirements depend on the approval and car price, and we'll discuss this with you during the application process

Yes, it's possible, but please be aware that the lend amount may be capped for individuals under 21.

Absolutely! In many cases, you can drive away with your new car on the same day, subject to approval and necessary paperwork completion.

No, the applicant must be the intended driver. We require the individual who will be driving the car to apply for finance.

The Annual Percentage Rate (APR) varies and depends on your credit profile. During the application process, we assess each individual's credit profile to provide personalised rates. The better you credit, the lower the APR.

No, our lenders never ask for guarantors

As soon as we receive your application a member of our sales team will contact you via telephone and obtain any last pieces of information that we need from you to finalise your application.

In most cases in less than an hour, we will have a decision and if you have been approved you can either e-sign from the comfort of your own home or we come down to our site located in Newcastle upon Tyne where you can complete the paperwork, choose your car and drive away the same day. Now that's... Really Easy