Dace Car Finance FAQ’S

It couldn’t be easier with Dace Finance; you can either apply quickly and securely online or give us a call one of our friendly personal car loan advisers will be happy to help. Whichever way you choose your application shouldn’t take more than a minute or so to complete and we will get back to you straight away.

Would having a bad credit rating stop me from getting car finance?
Dace Finance are experts at providing car finance for people who have had problems obtaining credit. As long as you are not currently bankrupt, having a poor credit rating doesn’t stop you from getting a car loans with us, even if you’ve been refused before. We have finance products to suit everyone whatever your situation or credit history.

Are there any administration fees with Dace Finance?
Certainly Not! There are no fees for you to apply. Our service is completely free of charge.

Can I get car finance if I am self employed?
Yes you can with us. Being self-employed doesn’t stop us finding you a great car finance deal.

Should I still apply even if I have been refused elsewhere?
Yes. We help customers everyday who have been turned down by other lenders. Our acceptance rate is always one of the greatest.

How long will it take to get a decision once I have applied?
We endeavour to process all applications within 6 working hours, although sometimes it can take a little while longer. In most cases we can give you a decision on your car finance application shortly after you apply.

I was made bankrupt two years ago, would I still be accepted?
Yes, it doesn’t matter to us if you were bankrupt, have CCJ’s, defaults or even had previous cars repossessed. We can still help you.

I know I have a good credit rating but I am worried about high APR’s and applying with Dace Finance?
There is no need to worry. When it comes to finding you the perfect deal, Dace Finance has a panel of lenders can offer us some really good rates. Which means we can give you the lowest APRs around, often better than some of the high street lenders.

I have a car on finance with negative equity – can you still help me?
Yes, we can help you to get negative equity car finance, just give us a call. We can find the best quote for you from our large selection of lenders.

Is my car loan application confidential?
Yes. We take pride in our confidentiality agreements. We’re work closely to their confidentiality guidelines. (Please refer to our privacy policy contained within the terms and conditions, for further details on how we process your information).

How long is my offer valid for?
Dace Finance honour a quote for thirty days, although an extension can usually be arranged if buying your car is delayed for any reason.

How much can I borrow?
This is determined by your credit rating, taking into account a number of things, such as your credit history and income. We find for the majority of our customers we’re able to offer the credit limit they request.

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