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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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Struggling to get accepted for a car loan

Hello, me and my partner are both self employed and are really struggling to get accepted for car finance.

It's driving me mad as we both have really good credit and so on. There's no reason not to accept us and every company tried won't. What can I do? How can I get a car on finance without having to pay unnecessary £1000's back after?

Posted by Samantha H on

Answer.

Hi Samantha, i understand your struggles and we'd love to help. Just so i can get a better picture can you let me know where you have currently applied and been declined? Are you both on the electoral roll and can you prove your income as you're self employed (bank statements).

If you have good credit i'm confident we can help - how much finance are you after and would you have a deposit?

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

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Question.

Hi Edwin, i have credit score 857 which is fair - i`ve got an account with experian, i`ve got a t-mobile contract for 2 years, i`ve took 4 loans in the past - small one under 1000 and pay them in time - and last week i`ve registered to the electoral roll - but in the report is still not registered maybe i have to wait more. But with this they decliend me? i`ve got the deposit as well 1 thousand...and they still declined me ? please help me. Tanase Andrei

Posted by Tanase Andrei on

Answer.

Hi Tanase, where have you applied and been declined? Have you applied with us as from what you say we should definitely be able to help. Getting on the electoral roll is a big thing for lenders though. Regards, Edwin

Posted by on

Question.

here on carfinance247 a couple of days ago.

Posted by Tanase Andrei on

Question.

I've got a provisional driving license. I forgot to mention this and also i am self employed - i can prove my income with bank statements and payslips and also i can make a joint application with my partener - both working full time.

Posted by Tanase Andrei on

Answer.

Hi Tanase, I'll look at this tomorrow AM for you and come back with an explanation. Have a good evening. Edwin

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