Car Finance in Nottingham. Get A Better Car are Nottingham's car finance specialists. We deal with every bad credit car finance provider in the U.K. to guarantee you the best chance of a bad credit car finance approval as well as making sure you get the best rate available for your personal credit rating. Give us 2-3 working hours and we'll get back to you with decisions from all of our car finance providers. How does bad credit finance work? The finance companies we deal with specialise in offering finance to applicants with a bad credit history. They will run a credit check, conduct their own affordability assessment and use that information to decide if they are going to offer finance and at what rate. They are mostly looking to assess whether your credit file and income/expenditure check shows that you have the affordability to pay a car finance agreement right now. What documents will I need? Most of our car finance providers ask for 2 things - proof of driving licence which is sometimes a picture of your driving licence and sometimes a DVLA check, the other thing they will ask for is proof of income, which is usually either payslips or completion of an open banking link. What is Open Banking? Open Banking is a way to securely send your bank statements to car finance companies, all you need to do is click on the link, log into your online banking and then give permission for the finance company to view your bank statements. As this is a digital process, a lot of finance companies use automation to check the bank statements making this process much quicker than sending payslips or bank statements. What does soft search mean? A soft search means that a finance company checks your credit but does not publish the credit search on your credit report. The number of searches on your credit can have an impact on your ability to get finance, so getting a soft search is a no impact way to apply for car finance. If you decide to move forward with an approval then the finance provider will then publish their search on your credit report. Is an approval guaranteed? No. You must pass the finance company's credit and affordability checks. They need to deem that you have the affordability to afford the repayments and running costs of the car now and for the duration of the finance agreement. What is the criteria to apply? You can apply for finance if you have a full driving licence and receive income of more than £1000 each month. If you do not have a full driving licence, you can apply jointly with someone at the same address that does. What if I decide not to proceed with my finance approval? You are under no obligation to proceed with the approval and our finance providers use soft search so there is no impact on your credit report for applying. You only become obligated to anything once you have signed a finance agreement AND come in to collect a car. Which finance companies do you use? We have direct links to 2 brokers and a further 5 lenders giving us a total panel of over 25 lenders which includes 15 that specialise in fair and bad credit. Check out our Facebook page - https://www.facebook.com/getabettercar Get A Better Car Nottingham - Fair and Bad Credit Car Finance Specialists Let us help make your car finance goals a reality.