Good questions lead to better decisions.

Have your personal and address details ready, along with information about your employment and income.

It also helps to know your regular monthly commitments, including housing costs and existing credit payments.

You can review each section before you continue.

The first stage gathers your circumstances and helps you plan a possible car budget.

Once you find a car, further details and supporting checks are needed. A final decision is made after that fuller review.

An illustration or early budget should not be treated as guaranteed finance.

The amount financed generally begins with the car price minus your deposit. A part exchange can also affect that starting amount.

The repayment term and applicable interest rate affect both the monthly payment and total cost.

Use the calculator to explore examples, then review the actual terms given after assessment.

Record the registration or VIN, mileage, price and seller or dealership information.

You may also need your planned deposit and any part exchange details, including outstanding finance on the trade-in.

The application will show the specific information needed at that stage.

Depending on your circumstances, you may be asked for identity, income or bank documents.

The application should show the exact list relevant to your case when these are needed.

Make sure each document is clear, current and shows the requested details.

If you have already started, use Continue application on the site to open the draft saved for this browser.

This demo keeps your answers in local storage on this device, without an account or a server.

Clearing browser data removes the draft. Use sample information only; files are not uploaded.