How to buy a car in UK without Credit Score | Move to the UK from India

[@abdulkhaled5145]

Major misrepresentation at start of the video. You actually CAN by a car in the UK regardless of who you are, if you buy in cash. £1000 will get you an ok car which will easily last you a couple of years.

[@abimh88]

The information you need is at 7:20

[@born2enjoy102]

Hi Ashika, thanks for another very informative video. Quick question. With India license, can we directly buy the car and drive or we need to convert the license to UK license. Also is there a test required. Please let us know. Thanks again.

[@asitkumarmohanty2579]

Brilliant information. This helps. Can you please let me what is the apr in which you got the car from BMW?

[@AbsolutelyAshika]

Hey the latest one was 11.9%.

[@asitkumarmohanty2579]

@ Thank you Ashika for the information. It helps. The Apr looks quite high for the pocket though.

[@ajaynairexperience8239]

Hi Ashika, based on my experience, car finance is very difficult if one is a UK resident with less than 3 years. Most credit brokers / banks will not entertain your application even if you have an excellent credit score and rest may offer you at an exorbitant APR of over 18%.

[@AbsolutelyAshika]

Hi Ajay, you're right. Thankfully we fund these options.

[@jagancha]

Which company funds these options? Thanks

[@ismailkazmi]

Can you please mention which dealerships you talked to that were willing to provide financing options to individuals with little credit history?

[@t.a.m729]

How about Toyota?

[@manishasri3727]

Also can u suggest dealership in Aberdeen

[@manishasri3727]

Can u suggest good housing website or any video you made on Aberdeen.

[@jesupraveen714]

I tried via auto trader and every finance brokers saying should be live here for 3 years…any option?

[@jagancha]

Carmoola provides finance support.

[@Y_editz77]

Great topic Great information. Thank you so much

[@Usama_Awais]

Where where did you mention that we can buy a car without credit score?

[@josemish1879]

Other information may be useful but you ou don't get car finance until you have 3 years location history. You also won't get car loans until you provide more than a year employment history. You can however buy with cash payment or based on personal agreement with seller but car financing won't be considered with meeting those criterion

[@AbsolutelyAshika]

Not really. We got car financing despite being in the UK for only 6 months.

[@josemish1879]

For real? Please how?

[@nikitadawda7094]

Can we buy car immediately after landing? Or how many days it takes

[@AbsolutelyAshika]

Hey there, it really depends on whether you want to buy it outright or take it out on a lease. Lease might be challenging unless you have payslips from a few months. Outright shouldn't be a challenge.

[@TechTravelFinance]

Do you know the process… I am trying to import my 2022 reg less than a year old car from UK to Dubai. Do you have any idea on this and converting right hand to left hand drive ?

[@AbsolutelyAshika]

Sorry I'm really clueless here.

[@MahasenBandara]

Thanks for this! I'm sure you saved me from a lot of frustration!

[@AbsolutelyAshika]

Glad I could help Mahasen!

[@Y_editz77]

What about initial payment??

[@pramod7886]

I am in UK but unable to get car on finance. Can you please tell me the finance company that offers car on EMI for new Immigrants?

[@jagancha]

Carmoola provides finance support.

[@DixonRobert]

Hey awesome video thanks for sharing this ✌️

[@AbsolutelyAshika]

Thanks for watching Dixon! Hope it helped.

[@deyabhijit]

Hi Ashika, great info. How about Toyota? Do they offer Finance to new residents of UK?

[@t.a.m729]

Same question lol

[@steppingstone9295]

😊

[@Waqas_Mirza_in_Uk]

Nice detailed video ❤

[@AbsolutelyAshika]

Glad it was helpful.

[@Listicle_Universe]

Which showroom did you recieve the finance option? I heard nobody is giving below 1 yr address history

[@AbsolutelyAshika]

BMW Taplow.

[@asbat88]

Very informative. Appreciate your hard work!

[@AbsolutelyAshika]

Thank you for the kind words Asbat!

[@Anishkumar-ft4jn]

Very informative video. How was the BMW finance process - did it take longer or did you have to pay a higher deposit given Indian license. Also did you take your own car insurance ?

[@steppingstone9295]

Why is she not replying

[@heenasayed7880]

Hey Aashka how to buy an insurance? Online or on call an agent helps?

[@AbsolutelyAshika]

Hey Heena, online. Don't bother calling agents.

[@indikaathauda]

Did you know if Land Rover or Mercedes provides finance to new expats?

[@AbsolutelyAshika]

Unfortunately not aware about this

[@jaisonjames2568]

We are trying hard for a car but keep denying finance because of credit issue

[@jagancha]

Carmoola provides finance support.

[@farwahzubair7599]

Kindly update about Schooling also.

[@AbsolutelyAshika]

Here you go kzbin.info/www/bejne/jGTJlXqjm6aghqM

[@spmvloggs603]

Ashika I am sorry to say. U should withdraw your video or should give more proper examples of getting car finance without minimum 3 years of credit history. I tried a lot but not even a single company is giving credit. I had tried all the four brands that you mentioned. Please elaborate on how you dealed with dealer.

[@AbsolutelyAshika]

Withdraw my video? Wow.

[@spmvloggs603]

@@AbsolutelyAshika else prove it then I will comment for.

[@shalin54]

You can choose directly from the car showroom - pre approved used. VW usually gives it. Only 6 months pay slips are needed.

[@spmvloggs603]

Oh really, which dealer

[@shalin54]

@@spmvloggs603 Volkswagen

[@emergencymedicinedoc]

Thanks for the video. Can you please tell, which type of finance the dealer will provide? PCP or HP? Thanks.

[@AbsolutelyAshika]

Hi there. It depends on the dealer. Some offer only either, some offer both.

[@drkfuture1305]

I m not clear, is PCP and HP applicable for used car?

[@tanvirahosan9387]

Yes

[@Listicle_Universe]

Can an international student get finance while buying a car?

[@AbsolutelyAshika]

It might be a lil tricky because you don’t have a source of income. Might be more prudent to buy a cheaper car in the interim

[@priyankadas4241]

Hi Ashika. We are on the process of buying a used BMW. What is the process of insurance? Are we allowed to drive without any insurance till 1 year with Indian driving license? How to buy insurance with india driving license? Please reply .

[@AbsolutelyAshika]

Hi Priyanka. You can take insurance on your Indian license. It will be more expensive though.

[@priyankadas4241]

Thank u very much. 🎉

[@priyankadas4241]

Hi Ashika. I have provisional license for uk and i have booked theory test for 6th March. Because one of the requirement for theory test was that i need to be in uk for 180 days in last 12 months. Can i ignore this and apply for theory test before completing 6 months? How did u do it?

[@anandjose6033]

Hi Great video 👍

[@anandjose6033]

What is the interest rate

[@sanghamitradas4232]

Hi, are you happy with your bmw? We are in the process of deciding, so your inputs is highly appreciated.

[@AbsolutelyAshika]

Hi Sanghamitra, it was a very good decision. No challenges yet either with the purchase or with the usage post that. At a point, one of the lights stopped working cuz some bulb had burnt out and the company changed it themselves at no cost.

[@sanghamitradas4232]

Thanks Ashika, it helps.

[@sobanahmed2226]

How much do you pay for it total amount and instalment processing

[@AbsolutelyAshika]

Hi Soban, the amount varies depending on the car. You can check autotrader to get an idea.

[@sobanahmed2226]

@@AbsolutelyAshika what’s the advance amount you paid and monthly instalment for your suv

[@togetherforever6389]

Nice information. Subscribed

[@AbsolutelyAshika]

Thanks for the sub!

[@ashlyalexander4108]

Is it possible to share the cost of the car you bought and the model and year of the car?

[@AbsolutelyAshika]

Hi Ashly. You can find all cars listed on autotrader.com

[@Mr_Sin99]

thanks for great video

[@tariq.hassan]

Folks, below are the 4 brands which don't required credit history. BMW Skoda Seat Volkwagen

[@sidkan3528]

pls guide me on uk car insurance, i havnt bought a car yet,but just wish to get an approximate idea of what my insurance cost might be if i buy a car which could be worth 5000 pounds, 2lt engine plus. i am male, 39yrs, my first driving licence was in india in yr 2002 and its still with me plus i got a uk driving licence in yr 2022. i just want a guess work from you, how much could be my insurance

[@AbsolutelyAshika]

Hi there. You can just check here www.comparethemarket.com

[@vijaytupe5675]

Great work Ashika 👍

[@AbsolutelyAshika]

Thank you for the kind words Vijay!

[@vijaytupe5675]

@@AbsolutelyAshika Happy Women's Day to you 💐💐💐

[@iampraveeny]

Hi, did you get the car with UK license or you could get it on Indian/international license? Do you know if we need UK license to get the financing?

[@AbsolutelyAshika]

Hi, on the Indian license. And no you don't.

[@suresha9474]

Thanks and good Information, I was in same situation as you and pretty much did the same stuff you guys did, though I got my used BMW with outright purchase because I got fed up as even PCP & HP were not the options as I had just joined my Job. You actually didn't tell of what your video was supposed to be about? Which option did the dealer OK'ed for you? PCP or HP? Because even these require a bit of bank/credit history, I was told to try after drawing at least 3 salaries (I couldn't wait 3 months🤣). I guess you had already drawn 3+ months of salary by then which gives you a FAIR credit score at the least. In this case you could have gone for Company Car lease program with a Hybrid/Electric car which additionally gives you IT/BIK benefit, 0 road tax, new tyres, full annual service, Insurance renewal, change to new car every 3 years(just drop off the old and pick up new one).

[@sonakshirranwa]

Hey.. can u explain what is company car lease program??

[@uk_tamilan1703]

Can you recommend any dealers

[@AbsolutelyAshika]

Def recommend BMW in Taplow. Def don’t recommend Škoda in Slough

[@bettythankachen5433]

How many year old car u purchased and how much u paid??

[@AbsolutelyAshika]

Hey Betty. You can find all the required info on the auto trader website or the BMW website

[@seekadvice6906]

Hello Ishika, lovely video and of course contents. Your presentation style, awesome! A query: can I drive my a car with Indian driving license in the first year without having international license from India?

[@AbsolutelyAshika]

Hi there. Its Ashika. Yes you can drive for the first year with an Indian license. You don't need an international license.

[@seekadvice6906]

@@AbsolutelyAshika Thank you so much. Sorry I got your name incorrect due to auto correct keyboard option. Thanks anyway.. 😀

[@Omi2cool4ya]

Good work ;)

[@AbsolutelyAshika]

Thank you Omkar.

[@billiechats6213]

Hii I am new to uk only one month over can I buy car in finance with 0 deposit?

[@AbsolutelyAshika]

Hi, you'll need some deposit.

[@edwinpraysforpeace]

Can you give me the contact of BMW dealership?

[@AbsolutelyAshika]

Hi you can google which dealership sells BMWs near you. In my case its Sytner.

[@hariprasadpillala1768]

Great information - appreciate your patience to explain

[@AbsolutelyAshika]

Glad it was helpful Hari

[@bettythankachen5433]

It was a good information

[@AbsolutelyAshika]

Thanks Betty.

[@jineshjosepthomas4335]

Hi Want to talk to you Is that possible?

[@AbsolutelyAshika]

Hi Jinesh, you can drop me a message on Instagram.

[@padhips]

Hi Ashika. Great video. Very concise and clear. One question though. Would imagine that the interest rates and APR are much higher than when someone has a credit history in Uk. Can you give us a rough order of magnitude of how different it will be. I do understand that it will be tailored to personal income and circumstances, but just looking for a rough difference when compared to the option of delaying my purchase another couple of years

[@oddesthooligan8149]

Hiya, the video was good and it will be really helpful for newbie’s. I have completed a year in UK and got sponsorship job and I went yesterday to Curry’s to get a tv on finance, but they refused since I am new to the country and I needed to have 3 years UK living address proof even though my credit score is literally good. So can you please let me know here on in the next video how to get finance for tvs or furnitures in UK. Thanks A happy subscriber

[@AbsolutelyAshika]

Heya. I'll def try! For furniture, a stop gap solution is to check facebook marketplace.

[@oddesthooligan8149]

I’m looking to buy everything in instalment only. Anyways looking forward for your informative video.

[@spmvloggs603]

Klarna

[@samyapex3196]

Ashika ji.. Ap bhut sweet ho mai apke videos mute krke dekhta.. Just apke face reactions.. Like you so much.. Mai London Mai toh ni Coventry Mai but special aaaunga apse milne

[@AbsolutelyAshika]

Hi Samy, meri video volume pe aur bhi acchi hai 😂. But thank you aapke support je liye. 🙏