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Edwin Miles. Underwriting Manager

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Finance Refused From Kia

Hi , I was recently refused a personal lease purchase on a Kia Sportage by Kia finance.

On my Equifax credit report I have a red flag for an electoral role issue which I believe is their error and am correcting it. My score Is 487 /600. I have no CCJ or defaults , have been with my bank for 10 years and keep everything up to date.

I still need my car however - should I look to find something through you guys? I'm wary of putting more on my report and denting it any further. Steve

Posted by Steve M on

Answer.

Hi Steve, thank you for your question.

As you have a good credit score and active clean credit accounts, we should be able to get you accepted for finance.

If approved with us, you can choose your car from any reputable dealership in the UK and we'll have you driving your new Kia in no time. Regarding the electoral roll issue has this now been resolved? Are you on the electoral roll at your current address where all your credit is registered too?

If so, please make an application here when you are ready. Kind Regards, Edwin

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Question.

Hi, I am looking to get PCP on a new Kia Sportage. I have an excellent credit rating and earn £23k. My wife has a fair credit rating and earns £34k. The cars worth is £23k. Can you help?

Posted by Sam Waddington on

Answer.

Hi Sam, thank you for your question.

As you have an excellent credit rating and a large joint income, we shouldn't have any issues getting you a PCP deal on a Kia Sportage.

Please make a joint application here and if approved, you can choose your Kia Sportage from any reputable dealership in the UK and we also provide a no obligation quote. Kind Regards, Edwin

Posted by on

Question.

Hi, my credit is fair/bad and I want a lease on Kia Sportage but, I been refused credit because I have got a default on my credit card. Can you help?

Posted by Micahel Mensa on

Answer.

Hi Michael, thank you for your question.

We may struggle to get you approved to lease a new Kia. We do, however, work with a number of lenders that specialise in providing finance to those with defaults, so we may be able to find a good finance deal for you. The amount you can borrow will be determined by the lender we can get you an approval with, and they will base this on your income.

Please make an application when you're ready and if approved, you can choose a car from any reputable dealer in the UK. Kind Regards, Edwin

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Question.

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Posted by Elaine derbyshire on

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