In order to apply for a car loan through Carplus you must: Be aged 18-75 years old Have been a UK resident for at least 12 months Receive a monthly income of £1,000 or above Depending on the lender you're approaching, you may need specific documentation to obtain car finance . However, typically, they request the following three things Proof of identity, like a driving license. Proof that you have the money to buy the car, such as copies of your pay stubs. Proof of your current address.