frequently asked questions

What if i have poor or bad credit history

As a specialist broker in all types of credit history we help people every day with excellent, good, poor and bad credit profiles who are in the same or similar situations to you. It's what we do.

What if i have been refused car finance?

Had an application turned down and been refused car finance due to poor or bad credit history? It doesn't mean you can't get car finance. We are specialists in bad credit car finance, so there is every possibility we can help. Many of our customers have been refused car finance elsewhere.

Can i get car finance if i am on benefits?

Being on benefits doesn’t mean you can’t get car finance, even if you have bad credit. As Bad Credit Car Finance experts we understand that some people on benefits have a steady income. We welcome applications from people who are on benefits, have CCJs, defaults, arrears, and also those who are self-employed.

Can i get car finance if have CCJ's, defaults, arrears?

Having a county court judgement or being in arrears doesn't necessarily mean you can't get car finance. We have helped many customers in this situation. We are bad credit car finance specialists so your in the right place.

No deposit car finance

No problem. Our lenders offer car finance deals with no deposit for good and bad credit profiles. As a car finance specialist we help you get the finance deal you need in a way that works best for you.

Can i get car finance if i'm self employed?

Yes you can. You will have to supply your last three months’ bank statements which proves your income. We cannot finance self-employed people if they do not bank their income. We also welcome applications from those who are on benefits, have CCJs, defaults, and arrears.

Can I apply if I’m in the Armed Forces?

Yes you can.

Do I need to be employed?

No not necessarily, but you do need to have a regular income as we will only lend to you if you can afford to pay it back over the period of time we agree. Please be aware that we will ask for evidence to support your application.

Will my payments be fixed

Yes. They will be fixed for the entire term of the agreement.

Can i get car finance with a provisional license?

Unfortunately not. We can only provide finance for people who have a full UK driving licence.

Can i settle my car loan before the agreement ends?

Yes you can. We will help you obtain a settlement figure from the lender - this is the amount you will need to pay to end your finance agreement.

Can i change my car before the agreement term ends?

Yes you can. You will need to request an early settlement figure from the lender and settle your current agreement, then you can begin a new one. Our customer service team will be happy to assist in getting this for you.

Can i part exchange my current vehicle?

Yes, you can trade in your current car. The value of your part exchange will act as a deposit, which means you will be borrowing less so your monthly payment will be less.

What type of car insurance do i need?

Please note you will need to comprehensively insure the car. Car insurance is not included in with your finance agreement.

Do I need a bank account?

Yes you do. A current UK bank account is required to take a Direct Debit from your account.

Can I get a loan if I am not a homeowner?

Yes. Most of our customers do not own their own home. Car finance is secured against the vehicle.

Do you charge a fee?

No, we do not charge a fee. We may receive commission from lenders or brokers for introducing you to them or when you complete your application with them. 

Can i buy my car from any dealer?

It is important to us that once you have a finance deal offer in place, we help find you a quality car that suits your needs.

Once your aplication has been approved you'll be sent a selection of cars that meet your budget, from our approved dealer. View cars available.

What is Black Box Car Finance?

Mainstream lenders can be reluctant to offer support to those who struggled to keep up with repayments in the past. Black box car finance, or Pay as You Go Car Finance as it is also known, is one of the options out there that could help you get a car on finance.

It’s often easier to get approved for than other traditional loans and – with handy built-in payment reminders – a black box car may even help towards rebuilding your credit score. There isn't the same strict criteria as other lenders you may have dealt with in the past. We can help in this situation.

Is there guaranteed car finance? 

There is no such thing as guaranteed car finance. No company can guarantee car finance. Regulators don't approve of using this phrase as they believe it is misleading and used to tempt customers into applying for finance.

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