Soft Search Car Finance – how to check if you can get Car Finance without affecting your Credit Score

When shopping around for the best Car Finance deals, it’s only natural to worry about what effect it might have on your credit score. Many customers like yourself often check if they can get car finance before they proceed, or have even found a car that they want to buy. 

At Motorly, we make the process simple, by allowing you to check if you can get approved before you formally take out car finance. By conducting a ‘soft search’ credit check at the start of your application, you can see what your options are without negatively affecting your credit report. 

What is a Soft Search?

A ‘soft search’ is a simple credit check that allows us to see your financial history without showing this information to potential lenders.

How does Soft Search Car Finance Work?

It’s easy to get a quick quote with Motorly. By completing the quick application form we’ll be able to give you an idea of your monthly payments what you can borrow, based on your current financial position. 

The process only takes a couple of minutes and you will be given a decision straight away.

No impact on credit score

Because we only conduct a Soft Search, it will not impact your credit score, even if you decide to not proceed. It also won’t affect your future ability to get finance.

Interested in finding out more? Check out the Motorly Soft Search Car Finance page.


    Over 4 Years

    Best available rate
    XX% APR
    Total cost of credit
    Total repayment
    XX Monthly Payments of

    Motorly is a credit broker, not a lender. Rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £5,500 over 48 months with a representative APR of 22.9% the amount payable would be £287 a month, with a total cost of credit of £1406 and a total amount payable of £6906.