Four simple steps
Here's what happens.
STEP 1
Apply
A few minutesComplete our short online application. It's a soft search, so it won't affect your credit profile.
STEP 2
Get your options
Usually within 60 secondsWe search our panel of lenders and call you to talk through what's available, with no jargon.
STEP 3
Sign
At your paceOnce you've chosen your car and finance option, we help you complete the paperwork, digitally where possible.
STEP 4
Drive away
Ready to collectWe work with you and the dealer to get everything ready, and we're still here if you need us afterwards.
Peace of mind, built in
We look out for you at every stage.
Vehicle checks
We carry out checks on the vehicle before your finance goes ahead, so you can buy with confidence.
Dealer checks
We only arrange finance with reputable dealers who pass our checks, for extra peace of mind.
Ongoing support
Our relationship doesn't end when you drive away. We're here for after-sales support if any issues arise with your car, and for any questions about your agreement.
Already found your car?
Great, that can help things move faster. Apply as normal and tell our team about the car when we call. We'll work with the dealer to get everything ready, subject to our dealer checks.
Apply nowStill looking?
Get approved first and shop with confidence. Approvals usually last around 28 days. Choose from any reputable dealer that meets our requirements, and we can help you find the right vehicle.
Get approved firstBefore you apply
Quick checklist.
Have these ready and your application takes just a few minutes.
Soft search: checking your options won't affect your credit profile.
Aged 18 or over
You'll need to be an adult to apply.
Your UK address history
Ideally the last 3 years, although some of our lenders can consider less.
A valid driving licence
Full UK, provisional UK or EU licence.
Employment and income details
Who you work for and what you earn.
Your contact details
A mobile number and email address.
Found a car already?
Tell us when we call. It can speed things up.
Compare your options
Which type of finance suits you?
We'll explain the options available to you before you decide. Here's a quick guide.
HP
Hire Purchase
Spread the cost and own the car at the end.
Monthly payments
Higher than PCP
At the end
The car is yours once all payments are made
Mileage limits
None
Suits you if
You want to own the car outright
PCP
Personal Contract Purchase
Lower monthly payments, with choices at the end.
Monthly payments
Usually lower than HP
At the end
Pay the optional final payment, hand it back, or part exchange
Mileage limits
Yes, with charges for excess mileage or damage
Suits you if
You like changing car every few years
CS
Conditional Sale
Similar to HP, with ownership once you've paid in full.
Monthly payments
Similar to HP
At the end
Ownership passes to you after the final payment
Mileage limits
None
Suits you if
You want straightforward fixed payments to ownership
Want to see the numbers? Try our finance calculator →
If a lender says no
We don't stop at the first answer.
If one lender can't help, we take time to understand your circumstances and look across our panel. If we can't find an option right now, we'll be honest with you and, where we can, explain what might help in future.
Your rights
Protected after you sign.
14 days to change your mind. You can withdraw from the finance agreement within 14 days of signing.
Settle early at any time. You can pay off your finance early, usually saving interest.
Hand the car back. Once you've paid half of the total amount payable, you may be able to end the agreement (voluntary termination).
Full terms are set out in your finance agreement. Estimate an early settlement →
Need extra support?
If your circumstances make things harder, such as a health condition, a recent life event or finding paperwork difficult, just let us know. We can take more time, explain things differently or speak to someone you trust on your behalf.
Borrow responsibly
Think about the full cost of running a car, including insurance, tax, fuel and servicing, not just the monthly payment. Lenders will check the finance is affordable for you before they approve it.
Prefer to talk it through first?
Real people, 7 days a week. Mon–Fri 8:30–7 · Sat 9–6 · Sun 10–4
How It Works FAQs
Is there a fee to use Torque?+
No. Our service is free to you. We're a credit broker and we're paid commission by the lender if you take out finance through us. Find out more on our How We're Paid page.
Will applying affect my credit score?+
Checking your options is a soft search, which won't affect your credit profile. A full credit check is only carried out by a lender if you choose to go ahead.
How quickly will I get a decision?+
Most customers get a decision within 60 seconds, followed by a call from our team. Some applications need extra checks, and we'll keep you updated if so.
What documents might I need?+
It depends on your circumstances and the lender. You may be asked for proof of identity, proof of address, and proof of income such as payslips or bank statements.
Can I apply before I've found a car?+
Yes. You can get approved first and then choose a car from any reputable dealer that meets our requirements. Approvals usually last around 28 days, and we can help you find a vehicle.
Do I have to take the finance if I'm approved?+
No. Applying lets you see your options. There's no obligation to go ahead.
Can I complete everything online?+
Much of the process can be done digitally, including signing, although the exact steps depend on your lender.
Ready to start?
It takes a few minutes and won't affect your credit profile.
Get My QuoteSoft search • No obligation • Finance subject to status