Providers of poor credit car finance in Nottingham and the UK have to consider your existing outgoings so they can assess your affordability meaning they will need to complete a credit check.
We work with every bad credit car finance provider in the UK so offer you the best chance of getting approved.
The only cases where a guarantor may be required is if you are under 21. None of the car finance companies we work with for customers aged 21 and over ask for a guarantor, we will simply get a yes or no decision.
The finance companies we work with don’t check your “score”. They will look at your history and also your recent circumstances to see whether you are in a better position than when you had credit problems.
A couple of the finance providers we work with do install a black box (or immobiliser) that they can remotely turn off if they need to repossess the car. They only do this if your account is in serious arrears and you are not in contact with them.
Pay as you go car finance is a bit of a misleading term and sounds like you could choose to not “top up” if you aren’t using the car. This is not the case, the finance is a long term financial commitment and you need to think carefully before signing up to this.
No one can offer guaranteed car finance as it is not responsible to lend to someone who cannot afford it. However, lots of dealers and brokers advertise for guaranteed car finance, these adverts are misleading and you need to be aware that you could still be refused the finance and have additional searches carried out on your profile.
Although we don’t offer guaranteed car finance, we do work with every bad credit car finance provider in the UK meaning we have the best chance of gaining an approval for you out of anyone.
We don’t offer guaranteed car finance, but we do deal with every lender of poor credit car finance in Nottingham and the U.K. so have the best chance of getting you an approval. Most of the lenders we deal with will look for some signs that you have affordability now by completing an affordability check based on your income as well as signs on your credit file that you are able to maintain the credit you already have.
We have over 15 years of dealing with fair and bad credit car finance applicants and finance companies meaning we have the experience of the market and understand the best application process that will lead to an approval. All of our staff take a test every year which qualifies each of them as a ‘Car Finance Expert’ by the Finance & Leasing Association as well.
In total, we can deal with over 20 car finance companies but we deal with just 10 on a regular basis that specialise in very bad credit car finance. We will run just one credit check on you which has little to no impact on your credit score at all.
If you would like to apply for Poor Credit Car Finance in Nottingham, you can Apply Now and we’ll get back to you within three working hours with a decision.
You can also find more information about poor credit car finance in Nottingham and Derby, you can find updates on our Facebook Page
