Do not worry in the slightest - i’m extremely confident we can help get you approved for car finance even though you’ve had a bad credit history. We have many specialist lenders who help customers in your position but the rates will be between 14% and 20% as you are seen as a bigger risk than people with perfect credit records.
The fact that you have a 20% deposit is also a huge boost as we have one lender in particular that pretty much takes anyone on if they are a homeowner and have a 20% deposit. So you wouldn’t be wasting your time at all in applying.
Please make an application and hopefully we’ll be able to get you back on track and into a Lexus in no time. Once approved we provide a no obligation quote and you can buy a car from any dealer. Kind Regards, Rachel