61 month terms and engine changes

We’re always looking for ways to make things better for our dealer partners, and a lot of those improvements come directly from you.
You’ve told us where things could be quicker and easier, so we’ve made some changes to our finance criteria and application process to remove some of the unnecessary steps.

We’ve increased the maximum loan term from 49 to 61 months on eligible vehicles, while also simplifying some of the rules behind the process. This includes removing previous engine-size restrictions for motorcycles, meaning more applications can now progress without an additional internal review.

Whether you’re arranging finance for a car, van or bike, more applications can now progress without manual intervention, with fewer needing manual reviews, underwriting approvals or referrals.

Here when you need us. Smoother when you don’t.

We’re still here to speak to when you need us, but we also know that not every application needs someone to manually review it. By using technology to handle more of the straightforward stuff, we can help make the process quicker and smoother for you and your customers.
More flexibility for your customers

We've actually offered terms of up to 61 months for a while now. We introduced longer terms to give you more flexibility when arranging finance and to help make monthly payments more manageable for your customers.

We've now streamlined the process around longer terms, simplifying some of the rules and reducing the need for manual reviews and referrals. So, you can offer your customers more flexibility, without adding unnecessary steps to the application.

You told us. We listened.

Over time, several rules had built up around certain applications, meaning they could be referred for an additional review before they could progress.
We've looked at those rules and automated more of the process, so applications no longer need to be stopped simply because they fall into some of our previous referral criteria.

Motorcycle finance is one example

Previously, certain motorcycle engine sizes could trigger an internal review.
We've now removed those previous engine-size restrictions, meaning more motorcycle applications can progress without that additional step.
For dealers who sell everything from smaller-capacity bikes through to larger motorcycles, that means fewer unnecessary interruptions when arranging finance.

Less stopping. Less calling.

The aim is simple: make the straightforward applications more straightforward.

You can submit an application, select the term your customer needs and let more of the process happen automatically.
That means less time waiting for manual reviews, underwriting approvals or referrals, and more time getting on with helping your customer.
If something does still need a closer look, we're still here to help. We can manually review applications where needed, so you still have the flexibility to ask us to take a look when something falls outside the automated process.

What could this mean for your dealership?

• More options when putting deals together.
• Less intervention when submitting applications.
• A simpler process for you and your customers.

The changes apply across eligible cars, vans and bikes, so whatever type of vehicle you specialise in, you can benefit from a more streamlined journey.

Finance Term & Criteria FAQs

What's changed?

We've increased the maximum loan term from 49 to 61 months on eligible vehicles and simplified more of the rules around the application process. We've also removed previous motorcycle engine-size restrictions that could require an additional internal review.

Does the longer term apply to cars, vans and bikes?

Yes. Terms of up to 61 months are available on eligible cars, vans and bikes, subject to our usual lending criteria and individual assessment.

Why did you introduce longer terms?

Longer terms can help make monthly payments more manageable. Five-year terms had also become increasingly common across the industry, so offering a similar option gives dealers more flexibility when arranging finance.

What's changed with motorcycle finance?

We've removed previous engine-size restrictions that could require an additional internal review. This means more motorcycle applications can now progress without those additional steps.

Will every application now go straight through?

Not necessarily. We've automated more of the process and removed some previous reasons for manual referrals, but there will still be applications that need a closer look.
What if an application needs a manual review?

We're still here to help. If something falls outside the automated process, you can contact our team or speak to your Business Development Manager and we'll take a look.

Do I need to change how I submit applications?

No. You can continue to submit applications through the Dealer Portal as usual.

Ready to get started?

Ready to get an application started? You can send it to us in the way that works best for you.

Use your Dealer Portal

Submit your customer’s application through your Dealer Portal and get the process started as normal.
Send it via WhatsApp
Simply send the word APP to 0115 671 1720 and we’ll take you through the next steps.