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Car Finance Expert Q&A

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Edwin Miles. Underwriting Manager

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Car Finance For Vauxhall Astra

Hello, I am looking at purchasing a new car (Vauxhall Astra) and looking for finance of around £4,000. I will also have a deposit of around £500 plus p/x for my current car (which will be a few hundred pounds at the most).

About 6 months ago I was refused finance for around £6,000 because of my credit. I basically had a loan and credit card which I was paying reduced payments through a debt management company which is obviously the reason I got declined. Since then I have partially settled my credit card and just recently paid off my loan in full. I have also had a new credit card which the credit has just been increased. All my other payments are up to date. My credit report probably hasn't been updated yet but would this still prevent me from gaining credit now through yourself?

I do not want to request credit if it is likely I will get declined as I don't want another credit check to go against me. I have lived at my address all my life and my salary is currently £17,500. Any advice you could give me would be appreciated. Thanks, James

Posted by James Thomas on


Hi James, thank you for your question and apologies for the delayed response.

With a good income, a large deposit, an improving credit history and a stable residential address, we should be able to get you approved for car finance.

Once approved, the £4000 shouldn't be a problem and we'll provide you with a no obligation quote. You can also choose a Vauxhall Astra from any reputable dealer nationwide.

Please make an application when you're ready. Kind Regards, Edwin

Posted by on

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Hello, My credit rating is classed as 'Fair' by Experian, i recently went through a debt management plan and have ended up taking it into my own hands and making a bigger payment directly to my lenders which has allowed me to become debt free in 2 months. Although I am unsure if this will be noted on my file as the last payment was 01/09/2014.

I am looking to purchase a new car (potentially a Vauxhall Astra) as mine will soon die and also thought it a good way to improve my credit rating again with some on finance. I am currently on £16500 per year, have my old car to part ex although will only be a few £100 and can put a few £100 down as a deposit if needs be. I don't want to apply for credit and be refused in-case it causes my file to be affected.

Can you help at all/advise the best situation? Thank you, Shannon

Posted by Shannon Griffiths on


Hi Shannon, thank you for using the Q&A and apologies for the delayed response.

As you have a good income, a decent deposit and due to the fact that we have a handful of specialist lenders who help people with past credit issues, we should be able to help you to secure finance, which will enable you to gradually improve your credit score.

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

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