Which loans company is best out of these?

freeman3030

Hi, I've been thinking about getting a new car for some time now and am going to finance it with a loan. I've done a soft search on gocompare.com and have an 80% approval chance with M&S, Cahoot and Santander. Out of the 3, which would you say is best? I've read online that M&S tend to offer 6%+ rather than their advertised 3.3%.
However, when I've looked on the MSE loans soft search tool, I've only got a 6/10 chance of getting a Cahoot loan... I know they'se tools are only a guide, but it's quite contradictory.
My partner and I have a mortgage and with The MSE loans tool, it asked what my mortgage repayments is, but I don't actually pay the mortgage, my partner does (I am named on the mortgage). I understand that if my partner lost his job I would have to pay the mortgage, but as soon as they request bank statements they'll see I don't actually pay the mortgage.

Any thoughts on which lender is best?

[Deleted User]

It depends on which one offers the best rates and whose criteria you best match.

All lenders will offer their headline rate to 51% (or more) of accepted applicants, M&S included.