How it works
For most of our customers the first question asked is "what’s the catch ?" and the most honest answer we can provide is that "there isn’t one." As independent direct vehicle retailers we don’t have anything like the "costs" associated with a regular dealership (expensive showrooms, lucrative commission structures for salespeople etc) and, having teamed up with the UK’s leading finance companies and motor vehicle wholesalers, have prodigious purchasing power which translates to enormous savings through "buying in bulk". These cost saving measures allow us to subsidise the associated finance charges and ensure you get the best deal available on the widest range of vehicles possible.
Vehicle selection
Selecting the right vehicle couldn’t be easier; The quick search facility on the web site will bring up the full range of vehicles we have available by manufacturer, model or monthly budget. Our sales advisors are on hand to answer any questions which you may have; We appreciate that buying a vehicle over the internet is a new experience for many people and every effort will be made to ensure you are fully aware of a vehicles specification, condition and history prior to making a decision. Remember, as an independent retailer, we are not linked to any one manufacturer therefore if you are unsure what vehicle your next purchase should be our experienced sales team can offer you genuine unbiased advice on the best vehicles available from every manufacturer which fit your budget and specification. Call one of our sales advisors today on 0800 6123 444 for some impartial advice on the best vehicle for you and a tailored finance quotation.
Ordering your new car
The fastest way to proceed is to contact the sales team on 0800 6123 444. Our sales advisors will answer any questions you have to ensure that the vehicle you wish to order fits your exact needs and specification. We will then require a nominal deposit, usually no more than £250, to secure your chosen vehicle. This deposit can either be refunded upon completion of your order or used as a deposit within your finance agreement to help reduce your monthly payment. Once your deposit has been taken a credit application form will be completed and your application will be passed to our finance partners for credit scoring. If your application is successful we will then arrange either collection of your chosen vehicle or send you the relevant paperwork to arrange your delivery. Alternatively you may wish to apply for the vehicle on line; In these cases your details will be passed to a sales advisor who will contact you to confirm your details and take your deposit.
Will I qualify for the 0% finance?
To obtain a car on interest free credit you require a high credit score; In today’s climate many of us, unfortunately, have had periods where we may have got behind with payments for credit / household bills due to accident sickness or redundancy. The best advice we can give to people in this situation is to be honest with us about your circumstances so that we can give you the best possible chance of obtaining credit at the payment you require. Many people do not realise that having multiple finance searches registered against them in close succession can further reduce their chances of being approved; Bearing this in mind it’s imperative that your application is put to the right company first time. We work with a multitude of finance providers and our experienced business managers are always available to discuss your application and provide best plan advice. Call 0800 6123 444 today if you would like an informal chat regarding your personal circumstances.
Why do I need to pay a deposit?
In all cases we require an initial deposit to proceed with an application. This deposit secures the vehicle you wish to purchase, preventing any other customer from purchasing the vehicle whilst we secure you the finance, and covers the administration costs involved in completing the credit scoring process. All of our deals are available as advertised with no deposit and any initial payment taken can be refunded upon completion of your order.
Distance Selling Regulations
Under distance selling legislation you have the right to withdraw for the purchase of a vehicle within seven working days of the date the vehicle was delivered to you. If you wish to cancel you must send, by recorded delivery, notice of your cancellation in writing to our head office at Interestfree4cars.com, Clarence street, Hull, HU9 1DN, to reach us by the end of the seven working day period after the date of your delivery. In the event that you cancel you are obliged to make the necessary arrangements to return the vehicle to ourselves at your cost. You should contact us in order to ensure the vehicle can be received by ourselves. If you cannot return the vehicle then we will be obliged to recover it and you will be obliged to pay our costs of doing so. Whilst the vehicle is in your possession you are obliged to take reasonable care of it until we receive it back. You are, of course, entitled to a test drive but if you travel anymore than 10 miles then a deterioration charge of £0.40 per mile excess will be made. In addition any significant damage to the vehicle will be charged for. In the event of a cancellation we will refund the money paid within 30 days of receipt of our vehicle.