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Concept Car Credit

Hi there, I still owe £3300 on my car and i am going down on Saturday, as l spoke to a sales person, from Concept Car Credit. My question is - Is it worth the journey as with a budget of £200 maximum a month i'd like a Vauxhall Zafira.

Is it worth coming down from the North East and then to be told the payments are a lot higher or even possibly get refused. However, the sales rep said l have got the finance secured. Is it a wasted journey and petrol? Please advise asap!

Asked by Kevin Oliver

Hi Kevin, i am aware of Concept Car Credit as they have been in business for many years. If they said you have been approved then i don't think they would waste your time and theirs in getting you to drive down then only to be told that they can't help.

Have you explained assertively over the phone that your maximum budget is £200 per month? If so you should be ok. However, if the service and / or the cars aren't up to your expectations please come back to us as we'd be able to help and get you a car of your choice. You say you owe £3300 on your part exchange - what is it worth approximately?

If required please make an application with ourselves and once approved we provide a no obligation quote and you can buy a car from any dealer in the UK. Kind Regards, Rachel

Tim Carpenter
Answered by Tim Carpenter Car Finance Expert Edited on

Liked by 41 People

5 Years
Total cost of credit £ XXX.XX
Total repayment £ XX,XX.XX
48 monthly
payments of
£ 245 98

Rates from 6.9% APR: the exact rate you will be offered will be based on your circumstances

Representative example: borrowing £6,500 over 5 years with a representative APR of 27.4%, an annual interest rate of 27.4% (Fixed) and a deposit of £0.00, the amount payable would be £188.74 per month, with a total cost of credit of £4,824.37 and a total amount payable of £11,324.37

Rates may differ as they are dependent on individual circumstances. Subject to status.

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