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Car Finance Expert Q&A

Hi, I'm Edwin and I'm here to help you!
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Edwin Miles. Underwriting Manager

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First time car finance

Hi, My partner and I are looking to buy a new car but neither of us have ever bought one on finance before and i'm not sure whether we would be accepted or not.

I make £22k a year and he makes £20K and I have a credit score of 869. I have a few other credit accounts which are up to date and no late payments - however i had a default many years ago which was settled years ago (this may be off my credit file now as it doesn't show on my experian report). Is it likely i/we would get finance? Thanks

Posted by Fran on


Hi Fran, thank you for your question!

We actually help many people in similar situations to your own get finance for the first time. You seem to have a fair credit score and you both have a good income. We do also have lenders on our panel that help people with past credit issues get car finance.

The fact that you have built up some clean credit history and have settled the default are both positive signs. If approved, you just need to provide a copy of your driving licence, proof of income and a proof of address (utility bill etc).

Please make an application and, if approved, we provide a no obligation quote and you can buy a car from any reputable dealer in the UK. Kind Regards, Edwin

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