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Drive away happy

Your dream car is just 4 steps away

For a smoother journey

1. Search for your perfect car

From SUV’s and Saloons to Electric Hybrids we have over 10,000 vehicles to choose from. Finding your perfect car has never been as easy!

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2. Apply for finance

We can help people with a variety of circumstances and will look to find you the best deal from our wide panel of lenders.

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3. Sign and get ready!

We’ll sort the paperwork for you with the lender, and make sure the dealer is kept in informed all while doing our final checks for you!

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4. Drive away

Collection or delivery of your new vehicle is at hand and ready for your first road trip!

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Why ShoKarz?

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Search over 10,000 cars

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Local dealers to you

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Specialist advice and help

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Over 100 years combined experience

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Highly rated and reviewed

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All types of credit profiles

Frequently Asked Questions

Am I eligible for Car Finance?

You could apply for Car Finance if you’re buying a new or used car from a dealership.

Lending is subject to credit, status and additional affordability checks. You must be aged 18 or over and a UK resident.

Are there any restrictions on the car I can buy?

We offer finance for new and used cars at the majority of UK dealerships. There are some restrictions relating to
make/model, age and mileage of the car. But is subject to which lender accepts you based on your credit and status.

Can I finance commercial vehicles?

We can fund commercial vehicles like vans and pickup trucks, also motorbikes and even camper homes.

Can I part-exchange my current car?

You can part-exchange your current car with a majority of car dealers and have the amount deducted from your finance.

In addition, if your part-exchange has existing finance, we can help settle the current agreement and set up your new one!

Can I pay off the loan early?

You have the right to repay the credit early at any time in full or part with all regulated agreements.

What does APR mean?

APR stands for Annual Percentage Rate of Charge. This includes charges and arrangement fees.

What’s the difference between a soft credit search and a hard credit search?

Soft credit is a simple background check. Examples of these searches could be checking your own credit score, a background check. None of these will affect your credit rating, they simply go on your credit file as a trace.

Unfortunately any finance offers are not guaranteed with a soft check,and can change.A hard credit search is only completed if you apply for a loan. Hard searches will show up on your credit profile and may affect your score, although only temporarily.