CarplusRefinance Call 020 3835 5453

Keep your car. Explore a better finance deal.

I’m Said, an agent at Carplus. I can review your existing car finance and check whether a more suitable deal could reduce your monthly payments.

  • Free, no obligation
  • About two minutes
  • Call, WhatsApp or email

Prefer to apply now? Apply online with Carplus

No need to change your car. Eligibility and savings depend on the options available to you.

Let’s look at your options

Your car

Start with your registration.

Your current finance

Both optional, but the more I know the better my answer.

The amount needed to pay off your finance today. Your lender can tell you. Leave it blank if you don’t have it yet.

How can I reach you?

Best way to contact you

Eligibility and savings depend on the options available to you. By sending this form you agree to be contacted about your enquiry. See the privacy notice.

Ready to apply now?

Complete the full application online with Carplus. It’s linked to me, so I can pick it up straight away.

Apply online with Carplus

Speak to Said

Personal help exploring suitable car finance options.

Call 020 3835 5453 Email olim@carplus.co.uk

How it works

  1. Review your current finance

    Tell me about your existing agreement and what you’d like to improve. Anything you don’t know yet can wait.

  2. Check available options

    I check eligibility and explore whether a suitable alternative may be available.

  3. Compare potential savings

    We go through the monthly payment, interest rate, fees, remaining term and total amount payable before you decide. There’s no obligation to go ahead.

Refinancing isn’t right for everyone

A lower monthly payment doesn’t always mean a lower cost overall. Here’s what usually decides it.

It can help when

  • You took out your agreement when rates were higher
  • Your credit position has improved since you started
  • Your monthly payment is stretching your budget
  • You have plenty of the agreement left to run

It may not help when

  • You’re close to the end of your agreement
  • You owe more than the car is worth
  • Early settlement charges outweigh the saving
  • A longer term lowers the payment but raises the total you pay

Common questions

What is a settlement figure, and where do I find it?

It’s the amount needed to pay off your finance agreement today. Your lender can give you the figure, often through your online account or by asking them directly. If you don’t have it yet, leave it blank and send the form anyway.

Do I have to change my car?

No. This is about the finance on the car you already have, so you keep your car. Whether a different deal is available depends on your circumstances and the options on offer.

Does checking my options cost anything?

No. The check is free and there’s no obligation to go ahead.

Will this affect my credit score?

Sending this form doesn’t involve a credit search, so it won’t affect your credit file. If you decide to apply for new finance, the lender will carry out a credit check, and I’ll explain how that works before you agree to anything.

What’s the difference between the form and applying online?

The form is a quick enquiry: I review your details and contact you. The online application is the full application, completed on the Carplus website. It’s linked to me, so I can pick it up as soon as you submit it. Check what the application involves before you start.

What happens after I send the form?

I review your details and get in touch using the method you chose: call, WhatsApp or email.

Will I definitely save money?

Not always. Eligibility and savings depend on the options available to you. Refinancing can lower your monthly payment, but a longer term or early settlement charges can raise the total you pay. I’ll go through the monthly payment, interest rate, fees, remaining term and total amount payable so you can compare before deciding.