Car Finance FAQs
Got a question about car finance? You’re in the right place.
Here we answer the most common questions from drivers who want to understand how car finance works, what options are available, and how Jigsaw Finance supports you throughout the process.
What types of car finance can I apply for?
We work with a wide panel of lenders to offer popular finance types such as PCP (Personal Contract Purchase), Hire Purchase, Conditional Sale, Lease Purchase, and Contract Hire.
Each works differently depending on whether you want to own the car or simply drive it for a fixed period. We’ll explain your options clearly before you apply.
Can I get car finance if I have bad credit?
Yes, you may still be able to get approved. Some of the lenders on our panel specialise in helping people with lower credit scores or limited credit history. While approval isn’t guaranteed, we’ll handle the process for you and aim to find a suitable option that fits your circumstances.
Will applying affect my credit score?
When you first apply with Jigsaw Finance, we perform a soft credit search that doesn’t impact your credit score. A full credit check only happens once you’re happy to proceed with a lender, and we’ll always tell you before that happens.
How long does it take to get a decision?
Most finance decisions come back very quickly, 95% of approvals are confirmed within 30 minutes, but the vast majority hear within the same day once we have your details.
We’ll keep you updated throughout, and as soon as your approval is confirmed, you can start looking for your car.
Can I buy my car from any dealer?
Generally yes, once your finance is approved, you can choose your vehicle from any FCA-authorised UK dealer, or from a dealer already registered as a Jigsaw Finance introducer. We’ll confirm with the lender that both the dealer and vehicle meet their criteria before finalising the agreement, and we’ll handle all finance paperwork and payment arrangements directly with the dealer on your behalf.
What deposit do I need for car finance?
This depends on the lender and your credit profile, but some options are available with little or no deposit. We’ll talk you through what works best for your budget before finalising your application.
What happens at the end of my PCP agreement?
At the end of a PCP agreement, you can either:
Pay the optional final payment and keep the car
Hand it back (subject to mileage and condition)
Or part-exchange it for a new vehicle using any equity
We’ll remind you when your term is nearing its end and explain all your options clearly.
Can I settle my finance early?
Yes, most car finance agreements allow early settlement. You can request a settlement figure from your lender at any time. We’ll help you understand what that means and guide you through the process if you choose to pay off your agreement early.
What if I’m struggling to make my payments?
If your circumstances change and you’re worried about keeping up with payments, contact us straight away. We’ll speak with the lender on your behalf and explore options such as adjusting payment dates or reviewing the agreement terms.
Why choose Jigsaw Finance?
Because we make car finance simple, transparent, and personal. We manage everything from application to approval, using our wide panel of trusted lenders to find a suitable option for you.
Our service is built on over 25 years of experience, a commitment to doing the right thing, and genuine care for every customer.