FAQs

Vehicles must not exceed 100,000 miles at the start of the agreement to be eligible for HP finance. This ensures the vehicle is in good condition throughout the loan term.

We accept vehicles up to 13 years old at the end of the agreement, providing customers with more options when choosing their next car. 

Absolutely! No-deposit options are available, provided the customer meets affordability criteria.

The maximum lending amounts vary by tier:

• T1- T3 Up to £30k Maximum Advance

• T4 – T5 Up to £25k Maximum Advance

• T6: Up to £15,000 Maximum Advance

• T7: Up to £12,500 Maximum Advance – In this tier, open banking will be required.

Unfortunately, we do not offer car finance to joint hirers.

No, we do not provide finance for customers in negative equity.

No, we do not accept benefits as the sole income for a customer. However, we do accept customers who receive benefits alongside another income. If a customer is receiving benefits alongside alternative income, do not include this in their net income. 

We require a minimum of 3 years of address history.

Applicants must have at least 1 year of employment history to qualify.

Yes, we consider self-employed applicants for car finance. We may, however, ask for additional documentation as proof of financial capability. This could include a tax return alongside open banking. Extra proofs can be uploaded into the system you are using, or you can contact your dealer account manager to action this on your behalf. If this is something you're looking to action, you can email us at dealersupport@marshfinance.co.uk.

Yes, applicants must be at least 20 years old at the start of the agreement, and a maximum of 70 years old at the end of the agreement. For a 2-year agreement, the maximum age a customer can be is 68. 

The following occupations are not eligible for car finance:

• Taxi Drivers
• Armed Forces personnel
• Delivery/Courier Drivers (exceptions may apply if the individual has a company-provided vehicle).
• Driving Instructors
• Unemployed

If a customer is a care worker for a company, include the company name within the proposal. If the proposal declines, contact us, and we will check the information provided. You can reach out via phone on 01706 751 273 or email at dealersupport@marshfinance.co.uk

Download Our Open Banking Process

We use open banking to securely analyse a customer's bank transactions. This additional insight, beyond just credit scores, helps us make more informed lending decisions and offer finance options tailored to each individual's financial situation. 

We are powered by Bud, an open banking provider. Click here to see their list of compatible banks. 

If a customer's bank is not supported, we are unfortunately unable to proceed with the application. 

• Required for all tier 7 customers.

• Required for all proposals that fail our automated affordability check. 

• In some specific instances, open banking can be used for proof of deposit.

• Open banking can be used as confirmation of your bank account. 

The link will show on your checklist if open banking is required. You will need to send the link to your customer. If you are struggling with this, call your dealer account manager on 01706 751 273 or email us at dealersupport@marshfinance.co.uk.

You can check the status in SalesDot under the External Checklist section of the proposal.

• If Open Banking has been successfully completed and approved, you will see a maximum repayment amount confirmed.
• If the customer does not meet the affordability criteria, the proposal status will update from Conditional Accept to Decline.

If you are unsure, refresh the proposal and check that the External Checklist shows as complete before taking any next steps.

Yes, you can request multiple quotes on cars. We understand that customers may have several options in mind. 

 Yes, you can provide your customer with a HP or PCP quote on the system. However, these quotes must be requested separately. If you need help regarding multiple quotes, call your dealer account manager on 01706 751 272, or email dealersupport@marshfinance.co.uk.

The following vehicles are excluded from our financing options:

• High-performance cars.

• Electric vehicles.

• Commercial vehicles (vans, taxis)

• Vehicles with engines larger than 3 litres.

• Imported or modified vehicles

• 8-seater vehicles or larger.

• Land Rover and Range Rovers.

We accept the following:

• Full UK Driving Licenses.

• EU Card-Form Licences (with proof of address and settled status).

• UK Paper Licences. This is provided that valid photo ID, proof of address, and a DVLA share code are also supplied.

• The name on driving licence doesn't match the proposal. At this point, you'll request proof of legal name.

• Expired driving licence. You'll need to request proof of renewal.
• Driving licence has been sent for renewal. At this point, we'll request a DVLA sharecode.
• The customer has just passed their test and is waiting for a full UK driving licence. Here, we will request a DVLA sharecode.
• The customer has an EU driving licence. We will request Right to Remain and proof of address here.
• The customer's licence isn't UK or EU. At this point, we unfortunately cannot proceed with the application.

A Right to Remain is required for all customers born outside the UK.

Here are some other statuses and our stance on them:

• Pre-Settled Status. Customers can have a pre-settled status. Customers need to provide a supporting letter from the government which shows expiry date. The agreement itself can only go up until the date of the status expiry. The deal must be a minimum of 24 months, otherwise we can't proceed. 
  

• Full Settled Status. For customers with a full settled status, a full 60 month term can be given.

• Right to work will not be accepted.

Download Our E-Sign Guide Here.

If you're having trouble, enter the customers bank details and an e-sign should be generated. If not, reach out to your dealer account manager on 10706 751 273 or email us on dealersupport@marshfinance.co.uk.

Within the agreement, your customer needs to tick some sections and then look for multiple corresponding codes. These codes are displayed in the form of 4 capital letters. There are different codes for different sections. These codes start from page 4 of the agreement, and customers will just need to copy and paste the code into the box and continue down the agreement to access further codes. 

When you generate an e-sign, you'll receive a simultaneous email notification that holds the e-sign. If this is still not resolving your issue, give your dealer account manager a call on 01706 751 273 and we will add the e-sign on your behalf. 

There will be an upload option within your own system where documents can be added. Make sure you select the correct document type for the document you are uploading.

Refer to our external checklist in SalesDot, which lists any further information or documents that are required. Additionally, feel free to contact your dealer account manager for support on 01706 751 273.

We may request the following additional documentation:

• Full British Passport.

• Right To Remain Sharecode. 

• DVLA Sharecode. 

• Utility Bill Within The Last 90 Days.

   

• Proof of Address.

• Proof of Legal Name. 

• Tax Return. 

Download Our Invoicing Guide Here.

• Make sure you have the correct funder on the invoice and ensure it is spelt correctly.

• Double-check your spelling of the funder address.

• Incorrect mileage for the vehicle. This must match the quote itself. 

• The customer's name must match the proposal.

• The customer's address must match the address on the proposal. 

• The chassis and engine number must be correct.

• The balance is due from the finance company NOT the customer.

• The invoice must be dated.

• SalesDot - Marsh Finance's own portal. 
• Auto Convert.
• Deal Trak.
• iVendi.
• Codeweavers.
• Enquiry Lab.

Download Our SalesDot Guide Here

If you're looking to access SalesDot for the first time, reach out to your dealer account manager on 01706 751 273 or email dealersupport@marshfinance.co.uk. They will quickly set you up and run a quick test to see if your system integrates. 

Absolutely. We can set up as many staff members as needed. Just reach out to our team to service this request. 

On desktop, simply scroll up to our navigation bar and you'll see our SalesDot button. Click this to gain access to our portal. 

For mobile users, click the three lines in the navigation bar where our SalesDot button will appear.