Frequently Asked Questions
Yes. Our lender partners offer Sharia-compliant finance through recognised Islamic finance structures, including Murabaha and Ijara. These are designed to avoid interest (Riba) while providing clear, transparent terms.
Yes. We work with ethical lenders who assess your full situation fairly, not just your credit score.
Most approvals are completed within 24–48 hours after receiving your full details.
Yes, there’s a one-time £149 admin fee – only payable after approval and you’re ready to move ahead.
Yes – we are an Authorised Representative of ITC Compliance Ltd. Our FCA AR number is: 1048191
We’ll usually need a copy of your Drivers License, and a proof of address, such as a utility bill. In some cases, we may ask for proof of income, via payslips or bank statements.
Yes, we offer Sharia-compliant finance for both new and used cars, as long as the vehicle meets our partner lenders’ criteria.
Yes – as long as the dealer is reputable and the car meets basic checks (MOT, HPI clear, etc.), we can usually work with them.
Murabaha is a Sharia-compliant finance structure where the lender buys the car and sells it to you at an agreed price with a fixed profit, with no interest charged. Read our full guide HERE
Ijara is a Sharia-compliant leasing arrangement where you make fixed payments to use the vehicle, with the option to own it at the end if included in the agreement. Read our full guide HERE
Yes, most lenders will run a soft or full credit check, depending on the stage of your application – always with your consent.
Yes, you can settle your finance early. The settlement amount will depend on the type of agreement and the lenders terms, and may include any rebate or adjustment required under the agreement. Your lender will provide an exact settlement figure on request.
We strongly encourage you to contact us or your lender immediately. Missed payments may lead to late fees or impact your credit file. However, we will always work with you to help find a solution.
Not yet – but we’re exploring Sharia-compliant business vehicle finance for 2026. Join our mailing list to stay updated.
Yes, you’ll have a 14-day cooling-off period under FCA rules, giving you time to review your agreement and cancel if needed. However, you will need to find alternative means to pay for the vehicle if handover has already taken place.
Absolutely. Our finance is open to everyone who prefers an ethical, interest-free alternative.