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If all of what you said is true and your credit score is around the 720 mark then there's a big possibility of us getting you approved for car finance.
This is because you're employed, on the electoral roll and have a fair credit score. As long as you have a valid full UK driving licence then we should be fine. The fact that you have a large deposit also helps matters dramatically.
We can't guarantee an acceptance but from what you have said i am very confident we can get you approved. Please make an application and once approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Edwin
Hi Damien, that's good news. Without running a credit check i can't guarantee anything as i have said before but i am very confident of getting you approved. Please make an application on our website and we'll be back with a decision this afternoon. Kind Regards, Edwin
Hi there, I'm looking to secure credit for a new car. Unfortunately, I had an ill advised youth and ran up debt about 4 years ago now, which has affected my score. I now earn a salary of £19k in a good job with a lot of prospects, my credit score is 548. Please could you advise the likelihood of securing credit?Many thanks, Olivia
Hi Olivia, we specialise in helping people like yourself so i'm confident we can do something as your credit score isn't the worst i've seen. You earn a good wage which is great but do you have a deposit or part exchange and are you on the electoral roll?
I'm looking for a used car on finance, around £4-5k mark. I can have a deposit between £500 and £1000.
I currently work full time, earn £20,478 before tax annually. I lived with my parents for 18 years at the same address, and now live with my partner and his parents, and have been here
Since Feb 2013.
I have just changed my address on the electoral roll too.
I have had a few jobs though, as they have been fixed term, with 3 small periods of unemployment in the last 3 years.
What are my chances of getting finance?
My credit score is about 670? I
I pay off a mobile phone contract every month, my £500 creditcard only has £150 left. I've not missed any payments.
Hi Lucia, as you have a decent sized deposit, a good income and a fair credit score i'm very confident we can get you approved for car finance. The fact you have some current clean credit and are on the electoral roll helps too. Please apply when you can. Edwin
As you have a good income, a decent deposit and are on the electoral roll we have a good chance of getting you approved. The only slight concern is your lack of current credit. Things like Netflix don't appear on your credit rating unfortunately.
However, please make an application and once approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Edwin
As long as you have 3 years UK address history i think we have a very good chance indeed of getting you accepted. You have a good income, are on the electoral roll, have a large deposit and a good credit score. For these reasons i'm extremely confident.
Please make an application and once approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Edwin
I have a credit score or 886 (good on Experian). I am after a loan for approx £7000 as I have £2800 to put towards a car. I work part time and I am also a university student. I have found a car I love but worried about the payments back in case my score isn't good enough? It used to be poor due to my mother taking loans out in my name, I've managed to get all that wiped and do have history but I only have a 1000 credit card I am also on the electoral roll?
You have a deposit which is great and should help us find you an approval.
Since you only work part-time, there is a possibility that one of our lenders will request a guarantor. If so the guarantor needs to have lived in the UK for 3+ years, be a home owner or private tenant, and have excellent credit.
With regards to the payments, your score isn't too bad so we would try to find you the best possible deal.
Please make an application when you're ready and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Edwin
Hey Edwin, What chances do I have for me being accepted for car finance? I am 26, full time self employment for 3 years and earning £15000 a year after tax. I have lived in a rented flat for 2 and half years. I am aiming to get £5000 with a deposit of £500 to £1000. Please help and advise.