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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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Car Credit Check

Hello, According to my Experian credit file I have a credit score of 900.

However my credit file also notes that I have made one or fewer applications for credit in the last six months. I am aware that lenders have there own criteria for assessing credit applications.

Given these circumstances could you assist me with car finance?

Posted by Paul on

Answer.

Hi Paul, thank you for your question.

You seem to have a good credit score and there should be no issue at all in getting you an approval for car finance and at a good rate too.

We have access to many lenders and have rates starting from 5.6%. Have you been declined anywhere else or been approved and if so on what terms?

The amount of credit searches on your credit profile is an indicator to lenders on how often you are applying for credit and it can effect your credit score however, 1 or 2 searches in the last few months is very normal. We only carry out a maximum of 2 credit searches and our own aren't recorded as a footprint on your profile.

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

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