FAQ!
Can I get vehicle finance even with a bad credit rating?
Yes, you can. We are specialists in providing vehicle finance for people
who have had previous problems obtaining credit. As long as you are not
currently bankrupt, having a poor credit rating does not prevent you
from getting a vehicle finance loan with us, even if you've been refused
before. We have plans to suit all applicants regardless of their past
credit history and situation.
How do I apply for vehicle finance?
Simple, it couldn't be easier; you can either apply quickly and securely on-line or, if you prefer call and speak with one of our friendly personal advisors who will be only too happy to help, either way it couldn't be easier, the application shouldn't take more than a minute or so to complete too.
Can you help me find a vehicle?
Yes, we are more than happy to help you find the vehicle you require
FREE of charge, just call us with the vehicle details and we'll search
our extensive database of approved vehicle dealers on your behalf.
How long will it take to get a decision on my application?
We aim to process all applications within the hour, although of course occasionally it can take a little while longer. For the majority of cases we are able to advise you of the decision shortly after you apply.
What will my loan repayments be?
That depends of course on how much you wish to borrow and what period you wish to repay it over. We will tailor your loan with you to ensure your repayments suit your budget. We do not encourage people to borrow more than they can comfortably afford to repay.
Is my loan application confidential?
Yes, it is. We take pride in our confidentiality agreements. We are registered under the Data Protection Act (DPA) and adhere strictly to their confidentiality guidelines. (Please refer to our privacy policy contained within the terms and conditions, for further details on how we process your information).
Can my repayments be covered by insurance?
Yes, they can. In the event you were unable to make repayments due to redundancy, sickness, or even an accident at work, your repayments (subject to certain exclusions and terms) will be made for you directly by the insurer. The majority of our customers opt for this valuable cover. All the finance plans we offer are available with optional Payment Protection Insurance for your peace of mind.
What is GAP Insurance?
GAP Insurance is a vehicle protection plan that fills the financial gap often left when motor insurance pay-outs are lower than expected. GAP Insurance is not a replacement for your motor insurance policy, but a valuable supplement that protects you against serious financial loss if your car is stolen or written off. All the finance plans we offer are available with optional GAP Insurance for your peace of mind.
How much can I borrow?
Your credit limit will be set taking into account a number of factors such as; your credit history and income. We find for the majority of our customers we're able to obtain the credit limit they request.
Who receives payment for the vehicle?
Payment is made directly to the dealer. That way you don't have to get involved in any unnecessary extra work.
How long is my offer valid for?
For thirty days although an extension can usually be arranged if your
vehicle purchased is delayed for any reason.
Do you sell vehicles?
No, absolutely not. We only provide the finance for you to buy the vehicle; we're experts within our field and focus our energy on ensuring we get the best possible finance deal for you. In our opinion, we believe YOU are the best person to choose the vehicle YOU WANT from the dealer of YOUR CHOICE, at Bad Car Credit we believe in putting you in complete control.
What should I do when I've found a car?
Contact Us!. We will take you through a quick and simple process over the telephone that will give you the benefit of a HPI and independent price validation check. For further details see our " What Happens Next Section"
I've been turned down elsewhere, is it still worth applying?
Yes. Every day we help many customers who have been turned down by other lenders.
I'm self-employed can I get car finance?
Yes, you can. Just Apply Online now.
