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Car Finance Expert Q&A

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Edwin Miles. Underwriting Manager

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Refused a car loan by HSBC

I'm 20 and work part time earning £600 -£800 a month, I have a credit card that I pay off regularly, only ever being a few days late (which they then take a direct debit for until paid in full). I also have quite a few direct debits which are never late. Would I be able to get finance for a car? I was already refused a loan by HSBC as I didn't have a credit score at the time.

Posted by Holly A on

Answer.

Hi Holly. Even though you have previously been refused by HSBC, we should be able to get you approved for a car loan.
It sounds as though you have built up some clean credit and it is of benefit to your application that you are in employment. Having a guarantor on your application would boost your chances, but we should be able to get you an approval without.
When you're ready, please make an application. Have a good evening. Edwin

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