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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
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?
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