Am I eligible?


How do I know if I'm eligible for car finance?

When you apply for car finance, you’ll be subject to credit checks and certain eligibility checks by your lender to help them decide whether they’re able to offer you a finance agreement. You will need to provide:

  • Proof of age (all applicants must be aged 18 years or over to be considered for car finance)

  • Proof of address (typically you’ll have to show where you’ve lived for the past three years)

  • Proof of earnings (personal, and household if you have dependents such as children)

  • Employment status

  • A full or provisional, valid UK driving licence

  • A guarantor (if requested)


Can I get an indication of rates before I apply?

Although your credit score is very important in deciding what interest rate you will get, there are also many other factors that contribute to that decision (such as the type of loan, how much you are borrowing and how long you are borrowing for) so it is very difficult to predict what kind of rate you might be offered.

On top of that, each lender has its own view on the relative importance of the factors that comprise its lending decisions. They may even attach different levels of importance to the same piece of information, which is why you could be offered three different rates from three different lenders.


Can I get Oodle finance if I have a student overdraft?

Having a student overdraft appears on your credit file, but shouldn't affect your credit rating unless you exceed the limit or don't pay it back on time, so we should be able to help you.

We’ll need to carry out a credit check, so making sure that you’re paying everything on time, and that you’re on the electoral roll will be a big help.


Can I get Oodle finance if I'm bankrupt?

We'll take a number of factors into account here - how long ago you declared bankruptcy, what your current credit rating is like, and whether you can realistically afford to commit to regular monthly payments.


Can I make a joint application?

Unfortunately, we don't offer joint applications right now.


Where do I go for new finance as an existing customer?

If you're already an Oodle customer, you'll need to email Application Enquiries or call us on 01865 475040

Am I eligible?


How do I know if I'm eligible for car finance?

When you apply for car finance, you’ll be subject to credit checks and certain eligibility checks by your lender to help them decide whether they’re able to offer you a finance agreement. You will need to provide:

  • Proof of age (all applicants must be aged 18 years or over to be considered for car finance)

  • Proof of address (typically you’ll have to show where you’ve lived for the past three years)

  • Proof of earnings (personal, and household if you have dependents such as children)

  • Employment status

  • A full or provisional, valid UK driving licence

  • A guarantor (if requested)


Can I get an indication of rates before I apply?

Although your credit score is very important in deciding what interest rate you will get, there are also many other factors that contribute to that decision (such as the type of loan, how much you are borrowing and how long you are borrowing for) so it is very difficult to predict what kind of rate you might be offered.

On top of that, each lender has its own view on the relative importance of the factors that comprise its lending decisions. They may even attach different levels of importance to the same piece of information, which is why you could be offered three different rates from three different lenders.


Can I get Oodle finance if I have a student overdraft?

Having a student overdraft appears on your credit file, but shouldn't affect your credit rating unless you exceed the limit or don't pay it back on time, so we should be able to help you.

We’ll need to carry out a credit check, so making sure that you’re paying everything on time, and that you’re on the electoral roll will be a big help.


Can I get Oodle finance if I'm bankrupt?

We'll take a number of factors into account here - how long ago you declared bankruptcy, what your current credit rating is like, and whether you can realistically afford to commit to regular monthly payments.


Can I make a joint application?

Unfortunately, we don't offer joint applications right now.


Where do I go for new finance as an existing customer?

If you're already an Oodle customer, you'll need to email Application Enquiries or call us on 01865 475040

Am I eligible?


How do I know if I'm eligible for car finance?

When you apply for car finance, you’ll be subject to credit checks and certain eligibility checks by your lender to help them decide whether they’re able to offer you a finance agreement. You will need to provide:

  • Proof of age (all applicants must be aged 18 years or over to be considered for car finance)

  • Proof of address (typically you’ll have to show where you’ve lived for the past three years)

  • Proof of earnings (personal, and household if you have dependents such as children)

  • Employment status

  • A full or provisional, valid UK driving licence

  • A guarantor (if requested)


Can I get an indication of rates before I apply?

Although your credit score is very important in deciding what interest rate you will get, there are also many other factors that contribute to that decision (such as the type of loan, how much you are borrowing and how long you are borrowing for) so it is very difficult to predict what kind of rate you might be offered.

On top of that, each lender has its own view on the relative importance of the factors that comprise its lending decisions. They may even attach different levels of importance to the same piece of information, which is why you could be offered three different rates from three different lenders.


Can I get Oodle finance if I have a student overdraft?

Having a student overdraft appears on your credit file, but shouldn't affect your credit rating unless you exceed the limit or don't pay it back on time, so we should be able to help you.

We’ll need to carry out a credit check, so making sure that you’re paying everything on time, and that you’re on the electoral roll will be a big help.


Can I get Oodle finance if I'm bankrupt?

We'll take a number of factors into account here - how long ago you declared bankruptcy, what your current credit rating is like, and whether you can realistically afford to commit to regular monthly payments.


Can I make a joint application?

Unfortunately, we don't offer joint applications right now.


Where do I go for new finance as an existing customer?

If you're already an Oodle customer, you'll need to email Application Enquiries or call us on 01865 475040