Finance FAQ

Require used car finance? But have bad credit?

Can't get finance? We can help!

Can I get Car Finance with Bad Credit?

Even if you don't have a great credit file or have experienced problems in the past, you could still be eligible for car finance through our lenders. We work with finance partners who are happy to lend based on what people can afford now, rather than what's happened in the past.

The best way to find out whether you can get credit with us is to start the application process. Applying doesn't commit you to anything. We'll see what's possible and talk to you about what you can reasonably afford, so you don't run the risk of further problems. There's no need to feel anxious about talking about your financial situation. Lots of our customers have struggled with debt in the past, and our team are here to help you, not to judge you. They understand there are all sorts of reasons why people have had money problems.

Does applying affect my credit rating?

When you first apply, we do a 'soft search' on your credit history. Other lenders can't see this. If it's obvious we can't help you, we won't pass your application to a lender, and your credit profile won't be affected.

If we believe you might be accepted by one of our lenders, we'll pass your application to the lender we believe best suits your circumstances. They'll then do a 'hard search', which is recorded on your credit profile. On average, two recorded hard searches are likely to be done during the process.

It's important you give us accurate information, so we can match you with the most appropriate lender. If you don't, your application could go to a lender who wouldn't consider someone in your circumstances. This would mean unnecessary credit searches and refusals being recorded on your profile.

I am self-employed-Can I get finance?

Yes, being self-employed doesn't stop us finding you a great car finance deal. Just give us a call or apply on line.

I have CCJ's and Defaults-Can I get finance?

Yes. Everyday we help customers who have been turned down by other lenders. Our acceptance rate is one of the best.

I have been made bankrupt-Can I get finance?

Yes. Everyday we help customers who have been turned down by other lenders. Our acceptance rate is one of the best.

How long does it take to get a decision?

We will process your application on the same day and give you a decision.

How much can I borrow?

Your credit limit takes into account a number of things, such as your credit history, income, electoral role or referees. We find for the majority of our customers we are able to offer the credit limit they request.

How do I apply?

Fill our application form or call us on 01387 320550. This application is designed to take as little time as possible.

Click Here to start your quick and safe online application.