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Poor Credit

Our online car finance service is carefully built to support individuals who may have faced credit challenges in the past.
Our goal is to assist you in securing a car that aligns well with your monthly budget, is affordable and meets your needs.
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Representative APR: 21.1%*
Representative Example CS
An OTR Cash Price of £13,999.00 with a deposit of £1,399.90 leaving an amount of credit of £12,599.10. The agreement is resulting a Representative 11.9% APR, Rate of interest 6.26% and a total amount payable of £17,952.50. Payments are based on a duration of agreement of 60 months, with a first monthly payment of £ 275.71, regular monthly payment of £275.71 and a final monthly payment of £285.71.
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Why choose us?
  • We work with up to 20 reputable lenders, ensuring we find the terms that best correspond to your credit circumstances
  • We eliminate the need for you to apply to multiple lenders, safeguarding your credit rating
  • We offer complimentary, no-obligation quotes
  • Our 'soft search' technology maintains the integrity of your credit score
  • Our service is designed to provide you with a positive outcome
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How does it work?
Complete a straightforward online application to receive a decision, available around the clock. A full acceptance usually takes around 15 minutes. This can be longer if we need to ask for more information to help a lender make a decision.
Complete a straightforward online application to receive a decision, available around the clock. A full acceptance usually takes around 15 minutes. This can be longer if we need to ask for more information to help a lender make a decision.
Our committed customer service team is always ready to address any questions or concerns you might have, and you will have access to an online dashboard where you can see when you are accepted and at what APR.
Our committed customer service team is always ready to address any questions or concerns you might have, and you will have access to an online dashboard where you can see when you are accepted and at what APR.
Your advisor will let you know of any specific terms like maximum lending or additional proof of ID needed.
Your advisor will let you know of any specific terms like maximum lending or additional proof of ID needed.
Once your credit is in place, visit your dealership to test drive cars that are within your budget and meet your needs, or do it online or by phone.
Once your credit is in place, visit your dealership to test drive cars that are within your budget and meet your needs, or do it online or by phone.

Apply in 60 Seconds

Our soft search will not affect your credit score, see what car finance is available for you in a short few steps.

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Understanding Your Credit Rating
  • Lenders generally assess your finance application based on two crucial areas
  • Your credit history - the track record of your past credit management.
  • Your current profile - elements such as your residence stability and employment duration and your recent financial history.
  • These two factors contribute to your 'credit score' or 'credit rating.' With our access to 20 lenders, we are equipped to cater to a wide range of credit statuses, empowering you to find the perfect car.
We look forward to meeting you!
 

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Representative Example [CS]

An OTR Cash Price of £13,999.00 with a deposit of £1,399.90 leaving an amount of credit of £12,599.10. The agreement is resulting a Representative 11.9% APR and a total amount payable of £17,952.50. Payments are based on a duration of agreement of 60 months, with a first monthly payment of £ 275.71, regular monthly payment of £275.71 and a final monthly payment of £285.71.

Contact Details

The Old Sugar Mill
Mandale Road
Thornaby
Cleveland
TS17 6AD 01642 612325

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