Telephone: 01473 520060

soft search car finance

What is a soft search?

When you visit a dealer, like ours, we talk you through all the finance options available.  Alongside this, the dealer will carry out credit checks to see if you are eligible for finance. Years ago you would have to submit a full credit search or hard search and this would appear on your credit score for 12 months. This is no longer the case.  A soft search checks if you are eligible for finance without leaving a trail.  However, to gain credit you will still need to complete a hard search. Soft search only gives you an indication and doesn't guarantee a loan.

How does soft search work?

A soft search requires your personal details:

  • name

  • date of birth

  • address

  • employment details

which are then submitted to a credit reference agency like us.

An assessment is made based upon your details and previous credit history. A score is given, indicating how likely you are to be accepted for your chosen product.


If you would like to find out about our finance options click here:


We are authorised and regulated by the Financial Conduct Authority for credit brokerage.  We are a credit broker, not a lender.”

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