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Car Finance Expert Q&A

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Edwin Miles. Underwriting Manager

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Would I would qualify for finance on a car with a credit score of 650?

Do you tink I would qualify for finance on a car with a credit score of 650? I'm earning around £900 a month after tax but im 19 years old.

Posted by Ramiah Edwards on

Answer.

Hi Ramiah, Yes - with a credit score of 650 we should be able to get you approved for car finance.

All circumstances are different as you can imagine and we can't guarantee an acceptance as it all depend upon the status of your credit file. Do you have any debts, defaults or CCJ's? Have you fallen behind on any payments? Lastly do you have a full UK licence and can you prove your income with payslips? If so, great. I've just noticed that you're 19 - with this in mind it may be best to apply with a guarantor if you can find one as this'll help your chances of being 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

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Question.

My credit rating is rubbish but I only have one default from 4 years ago that's less than £500.

I've never missed any mortgage payments and have no debt. Would I qualify?

Posted by Ayesha Masterson on

Answer.

Hi Ayesha, thank you for your question.

As you only have one small default from the past and you have a clean mortgage i'm confident we could get you approved for car finance.

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

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