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Frequently Asked Questions

About ICC Asset Finance

Who are ICC Asset Finance?

ICC Asset Finance is a UK-based finance brokerage specialising in vehicle finance. We act as intermediaries between customers and lenders to secure competitive finance deals.

Are you regulated?

Yes, ICC Asset Finance is fully regulated by the Financial Conduct Authority (FCA), ensuring compliance with UK finance regulations and consumer protection.

Who can apply for finance through ICC Asset Finance?

We assist both individual customers looking for personal car finance and businesses seeking finance for company cars and fleet policies.

Vehicle Finance Questions

What types of vehicles can I finance?

We arrange finance for a wide range of vehicles, including everyday cars, luxury and performance vehicles, and company fleet cars

How much can I borrow?

Our finance deals typically range from £10,000 to £100,000+, depending on the vehicle, your financial situation, and lender criteria. Please note this is a rough guide and each deal is subject to your
individual needs, financial situation, and lender’s criteria. We would be happy
to discuss this in more detail with you if you have any questions.

What types of finance do you offer?

We offer various finance options, including:

  • Hire Purchase (HP) – Spread the cost over fixed monthly payments and own the car at the end.
  • Personal Contract Purchase (PCP) – Lower monthly payments with the option to buy, return, or upgrade at the end of the term.
  • Business Lease & Fleet Finance – Flexible options for company vehicles and multiple fleet policies.
How do I apply for vehicle finance?

Simply get in touch with us to discuss your needs. We’ll assess your requirements, compare finance options, and guide you through the application process.

Do I need a deposit?

Deposit requirements vary depending on the lender and finance type. Some agreements require a deposit, while others may offer zero-deposit options.

Can I get finance with a poor credit history?

We work with a range of lenders, some of whom offer finance options for those with less-than-perfect credit. The terms and rates may vary based on your credit profile.

Business & Corporate Finance Questions

Can businesses apply for vehicle finance?

Yes, we offer finance solutions for company cars and fleet vehicles, helping businesses spread the cost of their vehicles.

What are the benefits of business vehicle finance?

Business finance can provide tax benefits, improved cash flow, and flexible repayment options, making it an attractive option for companies.

How does fleet finance work?

Fleet finance enables businesses to fund multiple vehicles under a structured finance plan, ensuring cost-effective and manageable payments.

General Questions

How long does the approval process take?

Approval times vary depending on the lender and your application details. In many cases, decisions can be made within 24-48 hours.

What documents do I need to apply?

Typically, you’ll need:

Proof of ID (e.g. passport or driving licence)

Proof of income (e.g. payslips or tax returns for self-employed applicants)

Proof of address (e.g. utility bill or bank statement)

Can I settle my finance early?

Yes, most finance agreements allow early settlement, but some may include fees. Check with your lender for specific terms.

Will applying for finance affect my credit score?

A soft credit check may be performed initially, which won’t affect your credit score. A full application will involve a hard credit check, which may have a temporary impact.

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