Frequently Asked Questions
WHY CHOOSE US?
The whole team has worked in the Motor Industry for many years; this gives us a very clear understanding of both what Finance Companies and Customer want. Carzoopa was specifically formed to enable us to help both the Customer and the Finance Company come together in a clear and transparent manner.
You, the customer can walk into our showroom; regardless of Credit history and clearly see all pricing and payments upfront, before we even make your application... This way we can send the appropriate Finance Company a nicely package deal, allowing you to buy a car quickly and efficiently.
DO YOU OFFER, "GUARANTEED" FINANCE?
Our Management and Finance team have over 40 years Motor Finance experience between them, we also work with all the major and smaller UK and European Finance Companies so whilst we can't "Guarantee" Finance to all our potential customers; We will try our hardest to put a package together for all cases, regardless of what financial difficulties you may have suffered from... In reality, if a competitor is offering "Guaranteed" Finance, they're probably not actually able to offer this at all. Fact is, if your income falls bellow your outgoing threshold, it's unlikely anyone can help.
HOW MUCH CAN I BORROW?
Simple, if your Credit score is high or average then there is generally no upper limit. If you Credit score is impaired, for whatever reason; We can generally lend x5 Monthly income up to a maximum of £12,000, subject to an "Affordability Check" the reason for this is simply to demonstrate affordability when proposing a case to a lender. We take into account, Wages, certain Benefits and regular provable income from Self Employed as income in both joint and individual applications.
IF I THINK I HAVE A LOW CREDIT SCORE, WHAT DOCUMENTS DO I NEED TO BRING?
Just the following...
- Drivers Licence
- Proof of Income
- Proof of Current Address
WHAT DOCUMENTS DO I NEED IF I HAVE A HIGH OR AVERAGE CREDIT SCORE?
Drivers Licence in current address, additionally if your Drivers Licence is not in your current address you may also need a current proof of address.
CAN I DRIVE AWAY THE SAME DAY?
Provided all your documentation is correct and the car you choose is ready, then Yes! Whilst we do our best to make sure all the stock is ready to go, on occasion we may be waiting for a part or there may be a slight delay confirming "Payout" from the Finance Company... If this is the case, we will give you the honest answer and try our best to get it resolved within 48 hours or offer an alternative.
DO I NEED A DEPOSIT?
Quite simple No, on occasion you may want to pay one to reduce your monthly repayment or a lender may not lend the full amount on a car, if this is the case we will talk you through the options, but its simply your choice whether or not to pay a deposit, however on some occasions a lender will require this.
WILL YOU TAKE MY PART EXCHANGE?
Yes, you can Part Exchange with us, we will give you fair market value, using the same systems as "We Buy Any Car" or similar car buying companies, we will also show you how we calculate the value of your vehicle and make an offer, if you choose to use your Part Exchange or not, again is simply your choice.
WHAT IF YOU CAN'T GET ME FINANCE?
Taking into account our years of experience, in the unlikely event of this we would simply recommend you on how to strengthen and repair you credit profile. We would work out an action plan with you and then you can contact us again in say, three months and we should hopefully be able to sort something out at this point.
CAN I APPLY ONLINE?
Yes, simply click this link and we'll be in touch.
CAN I COME AND SEE THE CARS BEFORE I APPLY?
Of course, all our cars are displayed at our premises in Southampton, they are all priced up with monthly payments to help you choose, if you want to buy on the day, simply talk to one of our advisers and they'll help you with the process.
I WANT TO BUY A SPECIFIC CAR, BUT IT'S NOT ON YOUR STOCK LIST?
Not a problem, call us on... and we'll let you know the likelihood of getting that vehicle, the time scale involved and also the approximate monthly costs involved.
WHERE ARE YOU BASED?
Totton, just off Junction 13 of the M3 click here for a map.
DO YOUR CARS COME WITH A WARRANTY?
Yes, for the first three months, however we are able to show you the options regarding extending the warranty right up until the end of your Finance agreement. We always offer all our customers the option to extend, this is only an option and not compulsory.
CAN I BUY PPI AND GAP COVER WITH YOUR CARS
No, unfortunately we don't offer these products; however we can point you in the right direction for purchasing these products.
WHAT ARE YOUR OPENING TIMES?
7 Days a week, click here for our working hours. We can also offer appointments outside of the normal hours to suit you.
WHAT IF I WANT TO PAY MY FINANCE OF EARLY?
You would need to speak with the Finance Company, which financed you, they will be able to talk you through the process. When you buy a car from us we make sure you leave with all your copies of the Finance Agreement and also highlight "Points of contact" for your reference, should you need to speak with your finance company in the future.
CAN I MAKE OVERPAYMENTS ON AN AGREEMENT PURCHASED THROUGH YOU?
Quite simple, Yes... You would need to speak with the Finance Company, which financed you; they will be able to talk you through the process. You will be provided with all necessary points of contact once you buy a car from us.
WHATS THE OLDEST CAR I CAN BUY FROM YOU?
Generally if purchased on Finance the cars cannot be any older than 13 years at the end of the agreement. In certain cases you can buy older cars from us, best to call us and discuss your requirements or pop in for a chat.
CAN I CHANGE MY CAR BEFORE MY AGREEMENT ENDS?
Yes, it all depends on how long you've had your agreement and how long your agreement was for, even if you've bought your car from another dealer and are now looking to change; we may be able to settle of your current finance and put you in a position to buy a new car from us.
WILL YOU RUN A CREDIT SEARCH ON ME?
Yes, a credit search will be run on you but not until we have assessed your application and spoken with you to determine which car you want to buy and what credit score you feel you may have. This will allow us to know which Finance Company best suits your needs and requirements, it also stops "Multiple Searches" being put against your name.