At Get A Better Car, we understand that the phrase “Guaranteed Finance Cars” sounds like an attractive option, especially for those concerned about their credit history. However, it’s essential to clarify that Guaranteed Finance Cars is a concept that doesn’t align with the financial regulations in the UK. While we aim to help customers secure car finance even in challenging circumstances, we are committed to doing so responsibly, adhering to the law, and ensuring that both lenders and customers are protected.
The idea of Guaranteed Finance Cars suggests that anyone can obtain car finance without consideration of their financial circumstances. However, in the UK, financial agreements are regulated by the Financial Conduct Authority (FCA). One of their core principles is ensuring that loans are affordable and fair to the consumer. To meet these standards, lenders are legally required to perform credit checks and affordability assessments before approving any finance application. This process protects borrowers from taking on debt they cannot repay and ensures lenders operate responsibly.
If any dealership or finance provider offers “guaranteed finance” without these checks, they are not only violating FCA rules but also risking the financial stability of their customers. At Get A Better Car, we do not promise Guaranteed Finance Cars; instead, we promise to work tirelessly to help you find a finance option that suits your needs.
We specialise in providing car finance options for people with poor or limited credit histories. For instance, we offer 7-Seater Bad Credit Car Finance and No Deposit Finance options for models like the Vauxhall Zafira and Nissan Qashqai. However, even in these cases, a full credit check and affordability assessment are conducted. Our goal is not to offer Guaranteed Finance Cars but to assist in finding realistic and manageable finance solutions tailored to your situation.
Here’s how our process works:
This transparent process ensures you can confidently commit to a finance agreement, knowing it’s affordable and realistic.
The concept of Guaranteed Finance Cars can be misleading and create false hope for people in financial difficulty. At Get A Better Car, we prioritise honesty and transparency with our customers. While we cannot guarantee finance for everyone, we guarantee to treat every application with respect, provide clear communication, and work hard to secure the best possible outcome.
Transparency also extends to explaining how car finance works. Many factors influence approval, including credit score, employment stability, and affordability. While a poor credit score may limit your options, it doesn’t mean you cannot secure car finance. Our team has extensive experience in helping customers overcome such challenges without resorting to false promises like Guaranteed Finance Cars.
Instead of focusing on Guaranteed Finance Cars, focus on finding a dealer who will work with you to explore realistic options. Get A Better Car offers several advantages for customers seeking finance, including:
By taking the time to understand your circumstances, we can guide you to a solution that works without compromising your financial wellbeing.
While the term Guaranteed Finance Cars may catch your attention, it’s crucial to understand the realities of car finance in the UK. No legitimate dealership can guarantee finance without assessing your creditworthiness and affordability. At Get A Better Car, we are committed to providing ethical, transparent, and supportive services to help you find the right car and finance package.
If you have concerns about your credit history, don’t hesitate to reach out. While we don’t offer Guaranteed Finance Cars, we do offer a helping hand to navigate the complexities of car finance and get you on the road with confidence.
