Personal details
You will need to provide your full name (and previous name if you have changed it), date of birth, marital status, residential status (own your home, renting, living with parents, etc.) and your full address history for at least the last three years.

Employment details and history
You will need to provide name and address of all of your employers for at least the last three years (potentially longer if you have changed jobs a lot or have gaps in your employment history). This includes full addresses with postcodes, so make sure you have all of those details.

Bank details
You need to provide the bank account details for the account you will be using for your monthly payments. You will need the branch’s address and sort code as well as your account number.
The account usually needs to be in your name (or jointly in your name). Again, if you have less than three years with your current bank, you will probably need to provide previous bank details.

Driver’s licence
It is expected that if you are applying for car finance, you have a driver’s licence to be able to drive the car you are trying to buy. Full UK or full European.
Most finance companies will automatically reject a finance application if you don’t have a driver’s licence.


Waterfront Motor Company are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority. FCA No: 842379 Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase.
Registered Office: 28 West Harbour Road, Edinburgh, EH5 1PN