Frequently Asked Questions

Yes, absolutely. Klub Finance specialises in helping people on Universal Credit and other UK benefits access fair car finance. We understand that traditional lenders often overlook benefit recipients, which is why we assess each application individually based on your current circumstances and ability to repay.

You'll need basic personal details including your full name, date of birth, UK address, and contact information. We'll also ask about your employment or benefit status, income details, and residential history. The application takes around 5 minutes to complete, and we keep it as simple as possible.

The £20 fee covers the cost of processing your application, running credit checks, and individually reviewing your case. This ensures we can give every application the time and attention it deserves. The fee is one-time, non-refundable, and there are no hidden charges. You're not obligated to accept finance if approved.

Yes, we conduct a credit check as part of our application process, which may have a temporary impact on your credit score. However, we look beyond credit scores and consider your full circumstances. We work with people who have poor credit or limited credit history. Making regular, on-time repayments can also help improve your credit over time.

It's simple: First, you pay the £20 application fee securely online. Then, you complete our straightforward application form with your personal and financial details. Our team reviews your application individually and fairly. You'll typically receive a decision within 24 hours. If approved, we'll explain the terms clearly so you can decide whether to proceed.

Absolutely. We take data security very seriously and comply with all UK GDPR and data protection laws. Your personal and financial information is encrypted and stored securely. We never sell or share your data with third parties without your consent. All payment processing is handled through secure, encrypted channels, and we never store your card details.

Most applications are reviewed and decided within 24 hours. We understand you need a timely answer, so we work quickly without cutting corners. In some cases, we may need additional information, which could extend the timeline slightly. We'll keep you informed throughout the process and let you know as soon as a decision is made.