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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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Do you have a question about Carfinance247 or its services? If so, please complete the form below for a response within 1 working hours. I have over 7 years experience working for Carfinance247 and have the responsibility to answer all questions asked.

Second hand car finance

Hello, can i get car finance on a second hand car? Is this something that you do?

Posted by Robert K on

Answer.

Hi Robert, thank you for using our Q&A.

The simple answer is Yes! We provide finance mainly for used cars and we help hundreds of people each month obtain finance for the car of their dreams.

As long as you are employed, have a UK driving licence and some current active credit history we'll be able to get you approved with no issues.

Please make an application for car finance when you're ready and when accepted we provide a no obligation quote and choose your car from any dealer nationwide. Kind regards, Edwin

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Question.

Hi Edwin, i'm after a second hand car but don't have the best credit. Also can you take my swapper in part ex?

Posted by Dave Retner on

Answer.

Hi Dave, yes we can get you into an updated second hand car and we can also take your old car off you in part exchange. Do you have any outstanding finance left to pay? If so, how much and roughly what's your car worth? We do also have bad credit car loan lenders so i'm confident we can help you out. Please apply and we'll see what we can do. Kind Regards, Edwin

Posted by on

Question.

Hi Edwin, I am looking to get a second hand car around 18 months old. My credit history is ok and i've kept up payments on all outgoing bills for the past 2 years. Do you think I can get a car with PCP? Cheers

Posted by John on

Answer.

Hi John, yes - we'll be able to help you as it sounds like your credit record is in good shape. Have you got a deposit and how much are you looking to finance? We can offer good rates on PCP's so please apply and we'll see how we fare. Kind Regards, Edwin

Posted by on

Question.

Is it possible to get finance on a 13 year old car?

Posted by Matt Ladkin on

Answer.

Hi Matt, apologies for the delayed response. Unfortunately it's not possible to get finance on a 13 year old car. The cars we finance cannot be older than 10 years at the end of the agreement. Regards, Edwin

Posted by on

Question.

Hi, We are in temporary accommodation at the moment for 6 weeks, but require finance for a used car, can we still get this?

Posted by Linda Green on

Answer.

Hi Linda, this is possible as long as you have some form of actove credit. Is this the case? Also how much are you after and do you have a deposit? Kind Regards, Edwin

Posted by on

Question.

Hi Edwin, can you tell me if it would be possible to get finance for a second hand car with you? I can put a deposit down and part exchange. I currently have a 1999 vauxhaul zafira the only thing that might not be playable is the fact i'm not employed. I currently carer for my husband on dissability benefit we do receive approx £1250 a month so could afford a finance contract. Hope you can help in any way possible

Posted by Andrea Hoare on

Answer.

Hi Andrea, we'd love to help you get a second hand car on finance. As you're not employed i need to know whether you have good or bad credit? Please let me know. Edwin

Posted by on

Question.

Hi Edwin, i'm not sure about my credit report to honest. I do try to pay all bills on time. I have a contract phone that i pay every month and i'm pretty sure i haven't had any defaults that i know of. I'm just struggling to find finance for a car.

Posted by Andrea Hoare on

Answer.

Hi Andrea, apologies for the delayed reply. I understand your position and we'll try our best to help. Please place down "carer" in the employment status part of the application :-)

Posted by on

Question.

Hi, i've been told i can have finance with yourselves with a minimum deposit of £400 and min price £6000. Yet i have found a car for £4695. Could i not apply for this one?Not sure how it all works. Hope you can help.

Posted by Andrea Hoare on

Answer.

Hi Andrea, yes this should be possible. Have you spoken with a representative or just received an email? KR, Edwin

Posted by on

Question.

Hi, yes - i've spoken to James and received an email. I know the car dealership that i've seen the car at and they do finance but i would prefer to go through you as i hope you would get the best for myself. Thanks again

Posted by Andrea Hoare on

Answer.

Hi Andrea, i understand. Please speak with James tomorrow and see if this is possible. The only lender we can get you approved with is the one James is dealing with and i do know they have certain criteria. After checking your application just now we can't get you approved anywhere else unfortunately. Please double check with James that £6000 is the minimum lend. I shall check with him tomorrow AM too :-) Have a great evening. Edwin

Posted by on

Question.

Hi, I declared myself bankrupt 4 years ago and although it was annulled after 12 months it stays on my credit report for 6 years. Therefore my credit rating is bad - Is there a possibility a lender would offer me finance?

Posted by Dave Goodwill on

Answer.

Hi Dave, thanks for the question and apologies for the delayed response.

In response we'd love to be able to help and we do have lenders that help ex-bankrupts and this with a bad credit history. As long as you are employed, have a UK licence and have some active credit at your current address we should be able to get you approved.

Please make an application when you can. Kind Regards, Edwin

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