No deposit?
No problem.

Yes. Plenty of lenders will fund the full purchase price where the affordability stacks up. The trade-off is honest and worth understanding: borrowing more means a higher monthly payment and more interest across the term than the same car with money down.

It can tighten things, because the lender is taking on more risk. Where credit is strong it rarely matters. Where credit is weaker, even a small deposit noticeably improves your odds — which is why we will always tell you if putting a few hundred pounds in would change the answer.

Absolutely, and it is the most common way people get around this. We can arrange a part exchange valuation, and any equity above what you still owe on it goes straight in as your deposit.

It is a harder combination, but not a dead end. It usually comes down to affordability: steady income, stable address history and a sensibly priced vehicle. It is usually better to look at a £6,000 car that gets approved than to spend a week on a £15,000 one that will not.

It is driven by affordability rather than a fixed cap — lenders look at your income, existing commitments and the vehicle itself. Because there is no deposit reducing the balance, the same monthly budget stretches to a slightly cheaper car than it would with money down. We will tell you the realistic ceiling before you start looking.