Congratulations! You’ve just passed your driving test and are looking to buy your first car. If you’re looking for car finance and you’re a new driver or first-time Buyer, you may well be one of the 80% approved
Here at Just Passive Finance, we can help you find the best deal.
At Just Past Finance, we believe you have already done the hard work passing your driving test, let’s make getting a car the easy part. cars are about freedom, traveling further and experiencing more together, so let’s make that happen. When you apply with us, your individual circumstances are considered, understanding no two customers are the same. We put our customers first and we want you to experience an easy, great-value car finance deal.
"It can be difficult to secure car finance as a New driver, but it’s not impossible. When buying your first car, your account manager can guide you through the process. They can help you with all the paperwork, speak with your lender, and help you find a car from a reputable dealership. Complete our short application form and find out if you’re eligible for a car loan in minutes Meet your account manager Here to help every step of the way – look out for their call! You can chat over text or WhatsApp too. Choose a car Whether you’re looking for a hot hatch or a chic supermini, explore over 100k used cars in the car search or find your dream wheels from any reputable UK dealer. Hit the road! You set the pace; tell us exactly what you’re looking for and we’ll handle the rest. You could be driving away in days!"
Representative Example - Personal Contract Purchase: Cash Price £10,000.00, Deposit £1500.00, borrowing £8,500.00 over 4 years at 9.9% Representative APR (fixed). 47 monthly payments of £138.36 followed by a final payment of £4097.02. Total cost of credit of £2238.3 and total amount payable of £12,238.3. Based on 8000 miles per annum, excess mileage charges will apply if this is exceeded. Finance subject to status
An APR, (Annual Percentage Rate), was created to help consumers understand the true cost of borrowing money. It includes the interest rate and any additional charges in your credit offer. In short, a lower APR indicates the cost of borrowing to be less than a higher APR so, if you are comparing two finance deals then the lowest APR is the cheapest - relatively speaking. APR's are different in every case. It can be very confusing and sometimes frustrating, especially if you don't understand why your Annual Percentage Rate is the figure that it is. But it is a requirement for all lenders to let you know the APR before you sign the credit agreement, so you can take time to read through the documents and understand what you are signing up for.
No matter if you are looking to finance a Hire Purchase (HP) deal or a Personal Contract Purchase (PCP) deal, the APR should be clearly shown. However, if you are leasing a car, you won't be given an APR as the agreement is a hire rather than a finance agreement.
The finance broker will handle your full finance application and will select the best option from a panel of 15 different lenders, However, it is important to note that if for whatever reason, you are unhappy with the APR offered to you, then you can find out more about why that was offered to you by talking to your appointed advisor.
Make sure your credit score is up to scratch. The broker will cater to all credit scores. However, if you improve your credit score, lenders see that you are more creditworthy and trust your ability to pay it back, so they are more likely to give you a lower rate. Know what you can afford. Work out exactly what is in your budget and find a reasonable price. The more affordable the car, the less you borrow and the less you spend. Make a larger deposit. One of the factors that go into your final figure, alongside your APR, is how much of a deposit you make. If you make a larger deposit, you will owe less over the period of your agreement meaning you could end up paying much less on your monthly repayments.
Here are just a few of our happy customers who we have helped to find their first car after passing their driving test.
Found me my first dream car!
orem ipsum dolor sit amet consectetur, adipisicing elit. Nemo magni voluptate porro officiis unde, provident voluptates magnam quo incidunt hic ea voluptatibus beatae ipsum eveniet quas reiciendis illum rerum ratione.
Found me my first dream car!
orem ipsum dolor sit amet consectetur, adipisicing elit. Nemo magni voluptate porro officiis unde, provident voluptates magnam quo incidunt hic ea voluptatibus beatae ipsum eveniet quas reiciendis illum rerum ratione.
Found me my first dream car!
orem ipsum dolor sit amet consectetur, adipisicing elit. Nemo magni voluptate porro officiis unde, provident voluptates magnam quo incidunt hic ea voluptatibus beatae ipsum eveniet quas reiciendis illum rerum ratione.
Found me my first dream car!
orem ipsum dolor sit amet consectetur, adipisicing elit. Nemo magni voluptate porro officiis unde, provident voluptates magnam quo incidunt hic ea voluptatibus beatae ipsum eveniet quas reiciendis illum rerum ratione.
We can introduce you to a limited number of Brokers and their finance products. We are not an independent financial advisor; we will provide your details to the Necessary brokers that can guide you, but no advice or recommendation will be made by Just Passed Finance. You must decide whether the finance product is right for you. We do not charge you a fee for our services. We will typically receive commission from the Brokers (either a fixed fee or a fixed percentage of the amount you borrow). The commission arrangements we have in place vary, depending on which lender you can be placed with. The broker will always introduce you to the most suitable finance lender offering you the most appropriate finance product for your needs, and at the best interest rate possible based on your credit profile. We are an affiliate, not a lender. Just Passed Finance is a company registered in England & Wales with a company number XXXXXXXX. And registered with the ICO
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