Generally, the higher your credit score, the lower the rate you’re likely to be offered.

However, not every lender prices the same way. Some focus more on factors like vehicle age, deposit, term and overall affordability. Once you meet their minimum criteria, a higher score won’t always mean a lower rate.

Use Driva to see which lender is the best fit for your profile based on your credit history. We'll help you estimate how much you could borrow and what repayments might look like.

Driva uses a soft search to show you accurate, tailored rates with no impact on your score. If you decide to proceed, your chosen lender may then run a hard search as part of their final checks.