Dmitrijs Lalins

Dmitrijs founded WeCarFinance on a simple frustration: most car finance journeys are built for the easy applications and quietly give up on everyone else. He still arranges regulated UK motor finance himself, most days of the week, and takes personal ownership of the cases generalist brokers and app-only lenders decline first — self-employed income, CCJs, thin files, BFPO addresses, and customers new to the UK.

Much of that work happens on the phone to lenders' underwriters, explaining context a scorecard cannot see: why an SA302 dip was a one-off, why a defaulted account was already settled, why a Skilled Worker visa still leaves a full agreement inside term. It is slower than pressing submit on a portal, and it is the reason a lot of our customers are driving.

As Director he sets the standard for everything published here. Every guide with his byline is drafted from live cases, cross-checked against FCA CONC guidance, and signed off by our compliance desk before it goes live. If a page carries his name, he stands behind it in writing and on the phone.