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Lenders will usually look at things like your credit score, income, expenses, employment status and the value of the car you want to buy.

A credit score is a number that reflects your creditworthiness, based on your credit history. It takes into account your payment history, credit utilisation, length of credit history and other factors.

You can improve your credit score by making payments on time, keeping your credit utilisation low, maintaining a long credit history and avoiding applying for too much credit at once.

It might be more difficult to get car finance with bad credit, but it's still possible. Lenders can charge higher interest rates or require a co-signer and you may need to provide more documentation or collateral.

The amount you can borrow depends on your income, expenses, credit score, and the value of the car you're buying. Lenders typically offer a loan-to-value ratio of up to 80%.

How long does approval take?

The approval process can vary depending on the lender taking anywhere from a few hours to a few days. You might need to provide documentation like proof of income, ID, and bank statements.

The approval process can vary depending on the lender, but it can take anywhere from a few hours to a few days. You may need to provide documentation such as proof of income, ID, and bank statements.