Can I finance this car?
Paste in the price, age, mileage and where you're buying from. We compare it against typical UK motor-finance panel criteria and give you an honest traffic-light verdict — no credit search, no data stored.
Where are you buying from?
[CLIENT INPUT REQUIRED: actual per-lender panel limits for vehicle age, mileage, minimum and maximum advance, and whether any lender on our panel funds private sales]
Illustrative only — not a personalised quote. Your actual rate depends on lender, credit profile and vehicle. WeCarFinance is FCA regulated.
Frequently asked
Does this guarantee a lender will fund the car?
No. This tool compares the vehicle against the age, mileage and advance limits typical of our panel — it does not run a credit search or contact a lender. A soft search on our eligibility form is the next step, and gives you a real, personalised answer without affecting your credit score.
Why do lenders care about the car's age at the END of the term?
Because at the end of a 4- or 5-year agreement the car needs to still be worth something and still be economical to insure and MOT. Most mainstream UK motor lenders draw a hard line at 10–12 years old at end of term. A 9-year-old car on a 5-year HP is usually a decline; on a 3-year HP it is often fine.
Can I finance a car from a private seller?
Very few mainstream UK lenders fund private-sale purchases directly. Most require the seller to be a VAT-registered dealer or trader for consumer protection and title reasons. If you have found a car privately, the usual route is to use a broker with a lender that funds private sales — or to pay from savings and refinance later.
The tool says amber — should I still apply?
Amber means the car sits at the edge of typical panel criteria. It is usually worth a soft-search eligibility check anyway, because some lenders on the panel are more flexible than others on age or mileage in exchange for a slightly higher rate. Red means the car falls outside the mainstream panel entirely — a specialist route is needed.