Guarantors are people who can come on to the loan with their own vehicle or property as collateral, helping the other party secure approval for the loan.
Not necessarily. Purchasing a vehicle from a private sale may sometimes need a valuation, however. Finance Direct will give you a form to be signed by a licensed dealer on the rare occasion this is required.
You can make repayments via automatic payment, direct debit, or even internet banking from your nominated bank account.