Car finance FAQs.
Understand the next step before you take it.
Are you a lender?
No. Kingsbridge UK is a credit broker, not a lender. We introduce customers to lenders; the lender decides whether to offer finance.
Will I pay a fee for your service?
We do not charge you for using our broking services. We receive commission from the lender. The amount may vary depending on the product, amount borrowed or your credit profile. You can request information about the commission.
Does sending an enquiry affect my credit score?
Our application form tells you clearly, before you submit, whether a credit search will be carried out and what type it is. Read that notice on the form before you continue.
Who can enquire about car finance?
Applicants must be 18 or over. Finance is subject to status, income and lender criteria. Certain exclusions may apply for Northern Ireland residents. Approval is not guaranteed.
What is the difference between HP and PCP?
With hire purchase (HP), you normally own the car after all payments and any final fee. With personal contract purchase (PCP), a larger optional final payment is needed to own the car; mileage and condition limits can apply. Availability depends on the lender and vehicle.
What happens if I miss a payment?
Missed payments can harm your credit record and may lead to additional charges or repossession. Contact your lender early if you are struggling. Free, independent help is available from MoneyHelper at moneyhelper.org.uk.