Simple, clear requirements. See if you qualify in under a minute.
To apply for car finance with Klub Finance, you must meet these requirements:
Be a UK resident with a valid address
Be 18 years or older
Have your nationality and UK settled/pre-settled status confirmed
Be receiving Universal Credit or other UK benefits, or have a regular income
Consent to a credit check and data processing in line with UK data protection laws
Understand that finance is subject to status and approval is not guaranteed
Full transparency, no hidden costs
Why do we charge a £20 application fee?
This one-time fee covers the cost of processing your application, running necessary credit checks, and reviewing your case individually. It ensures we can dedicate time and resources to give every application proper attention.
One-time payment – no recurring fees
No obligation – you're not committed to accepting finance if approved
Fair pricing – we keep costs low to stay accessible
Non-refundable – covers processing costs regardless of outcome
Secure Payment Processing
Your payment is processed securely. We never store your card details, and all transactions are encrypted.
A simple, step-by-step process from application to approval
Quick and secure payment to start your application
Simple questions about you and your circumstances
Our team assesses your application fairly
Typically within 24 hours or less
Finance is subject to status – meeting eligibility requirements doesn't guarantee approval
Credit checks will be performed – this may affect your credit score
You must be 18 or over – age verification is required
Terms and conditions apply – please read them carefully before applying
If you meet all the requirements above, you're ready to start your application. It takes less than 5 minutes.
5 Minute Form
24 Hour Decision
100% Secure
Quick answers to help you decide
Still have questions? We're here to help.
Email us