1
Understand finance
Read how deposits, terms, HP and PCP affect an estimated monthly payment. Use the calculator if you want to try figures.
Understand finance, then check what may be available
Oakwood is finance-first. Learn how deposits, monthly payments and finance types work, then check eligibility for a personalised profile. A regulated finance application happens later, when you build a deal on a specific vehicle.
Get a personalised finance profile with no impact on your credit score.
How finance works at Oakwood
2
Check eligibility
Answer a short set of questions. Oakwood uses a soft search, so this will not affect your credit score. It is not a finance application.
3
Receive a finance profile
If eligibility is successful, you get a personalised finance profile you can use while you browse. It is not a guaranteed final rate.
4
Browse cars
See monthly figures first. If a car is outside your current profile, you can increase the deposit, choose a lower-priced vehicle, or contact Oakwood.
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Build a deal
Configure finance, part exchange and optional products on a specific vehicle. A regulated application is confirmed during that later step.
Estimate, eligibility and application
Estimate
Figures on this page are an illustration. They help you compare options before you choose a vehicle.
Finance eligibility
Check eligibility to get a personalised finance profile. That uses a soft search and is not an application.
Regulated finance application
A regulated finance application happens later, when you build a deal on a specific vehicle.
Finance guides
Car finance with bad credit
Credit history does not automatically close every door — and it does not guarantee finance either.
No deposit car finance
See how a deposit, including £0 and part-exchange equity, changes the amount you finance.
Car finance with a CCJ
A CCJ is part of credit history. It is not an automatic yes or no on this website.
Finance if you are self-employed
Check eligibility as a self-employed customer without a made-up document list.
Finance for first-time buyers
Start with monthly affordability, deposit, term, and HP versus PCP.
How HP works
Hire Purchase: deposit, monthly payments, term, ownership and total payable.
How PCP works
Personal Contract Purchase: mileage, optional final payment, and how it differs from HP.
Frequently asked questions
Is checking eligibility a finance application?
No. Eligibility uses a soft search and does not affect your credit score. A regulated application happens later, when you build a deal on a specific vehicle.
What is a finance profile?
If eligibility is successful, you receive a personalised finance profile you can use while you browse. Monthly figures are still illustrations. Final terms are confirmed during a full application.
Can I use the calculator without checking eligibility?
Yes. The calculator is an estimate for planning. Check eligibility when you want a personalised finance profile.
Check my eligibility
Get a personalised finance profile with no impact on your credit score.