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Car Finance Expert Q&A

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Edwin Miles. Underwriting Manager

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Refused Car finance by Nissan can you help?

Hi, 3 years a ago I got number of defaults due to long term sickness - i resulted in a default which I cleared within 6 months.

I need a new car for work as does my husband. We own a car which will be used as a deposit and we are looking at a PCP deal. However RCI / Nissan refused us finance and I don't know what options are available to us. We don't wan't to own the cars. Can you help?

Posted by Donna Morton on

Answer.

Hi Donna, thank you for your question.

As you have defaults on your credit profile from as recently as 3 years ago you won't get a PCP deal from any manufacturer unfortunately. Manufacturers typically finance people with excellent credit scores only.

We could help you get car finance but we may struggle to get you a PCP deal. We can try with one lender we have in mind but i can't guarantee an approval with them. If refused with that particular lender would you consider a hire purchase finance deal over 4 or 5 years? This may be your only option but you will own the car when the payments have finished.

Please make an application and once approved you can choose a car from any dealer and we also provide a no obligation quote. Kind Regards, Edwin

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