Submit accurate information
Complete the form with current identity, address, employment, income and expenditure information. Inconsistent or estimated answers can delay checks and may prevent a provider from assessing the application fairly.
The Nationwide Motor Finance form sends the information to the credit-broker team. It does not itself search a credit file or make a lender decision.
Initial review and contact
The team reviews whether the application is complete, which vehicle or budget is being discussed and whether more information is needed. A fast response is a service aim, not a promise of approval or a fixed decision time.
Where appropriate and authorised, the application may be introduced to a limited panel of finance providers. Nationwide Motor Finance is a credit broker, not a lender.
Provider checks and decision
The relevant provider may verify identity, address, income, expenditure and the selected vehicle, and may use credit-reference information. The provider should explain the search and obtain the required consent before it happens.
The provider can approve, decline, ask for more evidence or offer different terms. No website wording, calculator result or initial review guarantees the outcome.
Review the agreement before signing
Check the deposit, amount of credit, APR, term, monthly payment, total charge for credit, total payable, fees, ownership point and consequences of missed payments. Ask for clarification before signing if any figure or condition is unclear.
The existence and nature of commission must be explained in good time before an agreement, and the amount is available on request.
