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I want to submit my UK visa application this week.

In October I paid about 20% of the car's price and November 1st was the first car installment payment. I don't think I will include this 20% payment as every month's spending because it's a one time thing. But should I include the installments as monthly spending? I don't know how much I will spend each month because November is not over yet.

I submitted bank statements from August to October, should I also include bank statements from November until now?

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    Submitting 6 months’ bank statements is generally the standard practice. Is there a reason you can’t submit statements prior to August? Not doing so could be a red flag, especially if you don’t have a ‘squeaky clean’ travel history (eg a previous refusal).
    – Traveller
    Commented Nov 8, 2021 at 8:16
  • I called them they said I can submit 3 months bank statements only
    – Aya RS
    Commented Nov 8, 2021 at 8:22
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    You can submit as many or as few statements as you like, my point is that 3 months’ worth may not be sufficient to satisfy the ECO and might lead to a refusal under V4.2(e) on the grounds that your financial standing could not be fully determined. If I were you I would wait 2 months before applying so that I could submit 6 months’ statements.
    – Traveller
    Commented Nov 8, 2021 at 8:31

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Having a car payment (or not) is highly unlikely to be material to your visa application. They're really looking for two things: Do you have a stable income that lets you afford the trip to the UK? Do you have strong ties to your home country so you leave after the trip is over? Having a partly paid car at home is mildly useful, but it's not going to make or break your visa.

The only reason you might want to mention the car is if the 20% down payment makes your October cash flow deeply negative. If so, you should note that this was a one-off and the following monthly payments are affordable for you.

This epic answer goes into much more detail about this general topic: Should I submit bank statements when applying for a UK Visa? What do they say about me?

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  • hardly it will make but sometimes, sometimes break? (I am not a lawyer and this is just common sense)
    – NotStanding with GoGotaHome
    Commented Nov 9, 2021 at 6:26

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