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.
No. Our service is free to customers. We may receive commission from the finance provider, but this does not affect the rate you pay.
Yes – we are an Appointed Representative of ITC Compliance Ltd. Our FCA AR number is: 1048191
No. We’re a specialist Islamic Finance broker providing access to Sharia-compliant vehicle finance through our selected finance partners.
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.
Vehicle Sourcing - Frequently Asked Questions
Absolutely. If you haven’t found a suitable vehicle, our team can help source options based on your budget, preferences and requirements. We’ll send you suitable listings to review so you can decide which vehicle is right for you.
Yes. Our vehicle sourcing and concierge support is provided at no additional charge to customers using our finance brokerage service. You remain responsible for the costs of your chosen vehicle and finance agreement, which will be explained before you proceed.
That’s exactly where we can help. Tell us what kind of car you’re looking for, your preferred budget and any must-have features. We’ll help search for suitable vehicles and guide you through the next steps.
Yes, absolutely. You’re welcome to find your own vehicle and send us the details. We’ll help check whether the vehicle and dealership meet the finance provider’s requirements. Our sourcing service is completely optional.
We’ll carry out relevant dealership and vehicle checks to help establish whether they meet the finance provider’s requirements, and flag any concerns we identify. These checks aren’t a guarantee of a vehicle’s condition, so an independent inspection may still be advisable.
Not necessarily. We can help liaise with dealerships, obtain the required vehicle information and coordinate paperwork with the finance provider. Our aim is to make the process easier while keeping you informed.
No. You can tell us what type of car you’re looking for from your first enquiry. We’ll help you understand the application process and what budget may be available before you make a final vehicle choice.
We can’t guarantee a particular vehicle will be available or eligible for finance, but we’ll make every reasonable effort to identify suitable options based on your requirements. Rest assured we’ll do our very best.
We’re a specialist credit broker offering personal guidance and vehicle sourcing support alongside access to Sharia-compliant finance. Rather than navigating the application, vehicle search and dealership process alone, you’ll have a team helping you through the journey.