FINANCE FAQs
We’re ready and willing to help so if you can’t find what you’re looking for below, just get in touch.
We hope you are finding the site informative, interesting and above all useful but we are here to help however we can. If you need any additional information lets try and get that for you...
Firstly, please take a quick look at our frequently asked questions relating to the services and our specific finance frequently asked questions. We hope you find this useful and that these pages will help to answer most queries.
If you still can't find what you need please drop us a note via 'contact us' or you can contact us by phone, we are looking forward to speaking to you.
Our vehicles are on average cheaper than a main dealer forecourt with meticulous preparation standards.
We offer market leading finance offers and free delivery to your door (UK mainland only).
We also offer a 15-day Price Guarantee: find a car (with the same proposition) cheaper elsewhere... we'll refund double the difference!
Typically, we have over 50,000 cars to choose from at any time. Our stock changes daily!
No, this is a completely free service as an optional added benefit to your employee benefit programme. You do not have to use this service, but your employer has included it as they believe it will be of value to you.
We want you to be delighted with your new car and believe that our vehicles are some of the best-prepared examples available. All of our sales come with a 30-day exchange or full refund option – if for any or no reason you don't like your new car, we will refund all monies paid in-full, and even collect the car at no cost to you.
All vehicles undergo a 130 point independent inspection prior to delivery and come with a minimum of twelve months warranty, extendable to 36 months.
Our warranty is provided by Auto Protect who are the market leading automotive warranty provider in the UK. Auto Protect are manufacturer approved claims and are equipped to settle approved claims without fuss within 24 hours.
All vehicles come with a minimum of 6 months MOT and all vehicles come with a minimum 6 months before next service is due (under normal use).
Car Cookie have a choice of over 50,000 cars in stock, we are extremely confident that we will have a replacement car that is suitable. However, if you cannot find the perfect vehicle, we offer a concierge car finding service to source your exact requirements.
We will send you a dedicated link to our website. You will be able to choose your car and compare finance offers all on-line. Your agent is there to assist every step-of-the-way! We handle all documentation – hassle-free from the comfort of your home – with e-sign of documents for your convenience... none of the nuisance of having to visit a dealer!
Once we receive your order, we can deliver to your door within 10 working days, faster in some circumstances.
No, you will be allocated your own dedicated agent who is there to assist you every step of the way. We do not employ salespeople and there's definitely no haggling. Our car prices are fixed to ensure that you know you've got a good deal and have been treated fairly.
We provide free delivery to your door (UK mainland only).
All vehicles are sourced from select main dealers, OEM and select wholesale sources. All cars have been HPI checked and all vehicles have a 130-point inspection prior to delivery.
You have a range of options:
Visit our website
You will be able to compare vehicles at your leisure, at any time, and the website will allow you to create your own specific quote or quotations – you will be able to adjust your deposit, your term (length of loan) and compare finance products to ensure that payments are at an affordable monthly figure for you.
Give us a call
We will be able to guide you through our process for you to complete a quote or initial application on-line
Simply fill out our quick online application.
Of course, you can always email us with any further questions you may have. Please remember that we can't advise you on finance products, but our customer team are here to support you during that process and to assist in your completion of a quotation or your application.
APR is short for Annual Percentage Rate. The APR is a measure of the total cost of borrowing which includes all interest and any fees.
Simply speaking, the APR allows you to easily compare the cost of finance from a range of lenders. The Consumer Credit Act requires all lenders and brokers to quote this rate.
All lenders are required to assess the customer's ability to afford the loan repayments. Car dealers and brokers are required to gather customer's income and outgoings on behalf of the lender to help with assessing customer affordability.
We always recommend that you do not commit to a finance agreement unless you are confident that you can afford the payments now and throughout the term of the agreement.
Our lenders require you to provide a full UK driver's license – this must be a UK photo-card licence in your current home address.
In addition you may need:
Automotiv Holdings Limited trading as Car Cookie is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486). Permitted activities include advising on and arranging general insurance contracts and acting as a credit broker not a lender.
We can introduce you to a limited number of finance providers and will receive differing levels of commission from each of them for the introduction. Some of our lenders provide us with a fixed commission per introduction, others provide a commission based upon the amount that you borrow.
However, the interest rate that you receive is determined by the lender and not by us as the credit broker, and the amount that you borrow is selected by you and you should ensure that you are comfortable with that amount.
All finance applications are subject to status, terms and conditions apply, UK residents only, 18's or over, Guarantees may be required.
You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations.
We have a wide selection of options and can provide a variety of terms, from 12 to 60 months, dependent upon the finance plan you have chosen – lenders terms are subject to status.
If the bankruptcy order was discharged over 12 months ago we may be able to help.
During office hours, your on-line application will usually take under 10 minutes, and often we have a decision within 15 minutes.
We will carry out a 'soft credit search', in order to check whether you are eligible for car finance, this is provided by Equifax. This search is not visible by lenders and does not affect your credit score. If you are eligible, your application will be forwarded to the lender offering the best terms for you. That lender will carry out a full credit search in order for them to give a decision about providing you with the loan.
If you would like to obtain a copy of your credit record, you can write to:
Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS. https://www.equifax.co.uk/Contact-us/Contact_Us_Personal_Solutions.html
In general, our lenders do not have any minimum deposit requirement. However, if you pay a deposit, it will reduce the loan amount which will reduce your monthly repayments or the term of your loan.
Unfortunately, until you have lived in the UK for 3 years our lenders will not agree to give you finance. We have a wide range of cars that are always available for a cash purchase.
No, unfortunately we wouldn't be able to help until you're 18 years old. We have lenders that finance 18-21 year olds, although, on some occasions we will need to add a guarantor to your application.
If you have a poor credit rating we can refer your application to specialist lenders who may still be able to provide a loan. Usually these lenders will ask for additional information and may impose some restrictions e.g. reducing the loan amount or charging higher interest rates. Because of this, it is very important that you consider whether a different term or higher payments may make this option unaffordable.
We have a very wide range of cars and prices, so in this circumstance we can always look for an alternative vehicle which might still meet your stated budget, or alternatively, there is always the option of choosing a cash purchase or we can pass you back to your insurer.
Normally your first payment to the finance company is due approx 14 days after the signing of your finance agreement.
You can call our customer team, or you are welcome to email us with any further questions you may have.
We are sure you will agree, Car Cookie is a compelling employee benefit and if you are looking for the catch, there isn't one, so...choose your vehicle
Choose your vehicle