Soft Search Car Finance

  • Free Car Finance Without Impacting Your Credit History
  • Large Panel Of Lenders

Let’s Get Started >>

Rates from 8.9% APR. Representative APR 22.9%

Soft Search Car Finance Calculator


    Over 4 Years

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

    Rates from 8.9% APR; the exact rate you will be offered will be based on your circumstances, subject to status

    Representative Example: Borrowing £5,500 over 48 months with a representative APR of 22.9% (Fixed) and a deposit of £0.00 the amount payable would be £169.72 a month, with a total cost of credit of £2,646.56 and a total amount payable of £8146.56

    What Is A Soft Search Or Soft Finance Check

    At Motorly we believe soft searches credit searches are the best way for us to qualify customers for car finance and help us find customers the best deal which suits their personal circumstances. This can all be done with a soft search, which leaves no footprint on your credit file, nor does it negatively impact your score. A full credit search can signal to lenders you are looking for finance. Lenders view several full searches negatively as it creates the impresison you may be looking to take our several loans at once, which makes you more of a risk.

    With the above in mind, you might be surprised to learn not many companies work in this manner, which can harm your chances of getting your finance application approved. No customer should be negatively impacted for simply researching their options or finding the best deal.

    Why Hard Searches Negatively Impact You

    A hard credit search will leave a footprint on your credit report that can be seen by lenders. The problem with this type of search is that it can affect your ability to get finance. Multiple hard searches on your profile within a short space of time can give the impression that you are desperate for credit, struggling to be approved for finance or looking to take out multiple loans at once. All of which are looked upon negatively by a lender.

    Continue reading to find out how to apply for car finance without negatively impacting your credit score.

    How To Apply For Soft Search Car Finance

    Applying for soft search car finance with Motorly couldn’t be simpler.  Your initial application will not impact your credit score at all, but does allow us to match you with one of the lenders on our panel. Once we have matched you with the best lender and you wish to proceed with the application, only then will a hard search be made.

    Once you have applied you will be assigned your own personal account manager, who will be on hand to answer any questions you may have, liaise with the lenders and even assist you with your car search.

    Applying With Us Only Takes a Couple Of Minutes & Will Not Affect Your Credit Score

    Apply Now

    Rates from 8.9% APR. Representative APR 22.9%