Being turned down for car finance can be really disappointing, especially if you need a car right now.
We work with a panel of lenders, so even if you’ve been declined by another company, it could be worth applying to us.
Does applying affect my credit rating?
When you first apply, your car buying expert will do a soft search on your credit history, which is not visible to other lenders. If it’s obvious that we won’t be able to help you we won’t conduct any recorded (hard) searches and your credit profile won’t be affected.
Who can’t we help?
We work with lenders who are happy to consider people with less than perfect credit histories. There are only a couple of situations in which we can’t help:
- If you have CCJs which are less than 4 weeks old.
- If you are currently bankrupt. We can only help once your bankruptcy has been discharged for at least 12 months.
- Have lived at more than 3 different addresses in the last three years.
- Have lived in the UK for less than 3 years.
Are you under 21?
If you’re aged between 18-21 years, we do have some lenders who would consider your application. There are also things you can do which may help you get car finance. One of the simplest is to ask a parent, or someone who you live with, to act as a guarantor. Call our friendly experts to talk about your options.
Do you want to finance something other than a car?
We’re not just car buying experts. We can help you finance your motorbike, van, caravan, trike and pretty much any other vehicle that’s legal on UK roads.
Are you self-employed?
We regularly help people who are self-employed. We might ask you to provide some documents to prove your income, but your car buying expert will take you through everything in detail once you’ve applied.
Ready to find out what’s possible?
No commitment, just help to get a deal that’s right for youStart your application now