Bad Credit Car Finance

Don’t let bad credit stop you from getting car finance

Getting car finance with bad credit doesn’t have to be hard – in fact we’ve made it really easy! Talking about your credit history can be difficult but our friendly advisors are here to help you – we aren’t here to judge, we’re here simply to get you into a car. We’re one of the leading bad credit car finance specialists in the North East and can introduce you to a panel of specialist lenders. From there, we’ll match you up with the most suitable lender after we’ve spoke to you about your current circumstances.

If we can’t get you finance, no one can! 


 

happy customer picking up her car
 

Why do I have bad credit? 

There are lots of reasons why you may have a bad credit score. Missed payments, defaults and CCJ’s will all affect your credit score and your ability to apply for credit. Similarly, having no credit history can also mean you have issues with getting approved, as there is no record of you being responsible at repaying your accounts on time.

Can you help me?

To apply for car finance with Really Easy Car Credit you must meet the following criteria:

✔ Must not be currently bankrupt

✔ Hold a full valid UK driving licence

✔ Be over the age of 18

✔ Have lived in the UK for at least 3 years

How do I get bad credit car finance?

There are several things you can do before you apply for finance to increase your chances of being approved for bad credit car finance. If you’ve applied for lots of credit recently and you’ve been declined, don’t apply for more credit until you take a look at your credit score.

If there are any missed payments that are outstanding try to pay them off; and keep in mind that it’s more important to keep up with active accounts than to pay off closed ones. If one of your accounts has defaulted, then the damage has been done to your credit file; you want to keep up with payments that haven’t defaulted to prevent damaging your score further.

Register yourself on the electoral roll if you haven’t already – this simply allows lenders to trace your address history easily and eliminate any possibility of fraud and is an easy way of increasing your chances of being approved.

Your credit score won’t improve overnight, but taking these small steps can help with your application for car finance. Once you’re ready, all that is left for you to do is fill out an application form and choose a car. We’ll do the rest for you!

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Why should I choose Really Easy Car Credit?

Apply with Really Easy Car Credit and benefit from:

✔ No payments for up to 45 days

✔ No deposit options

✔ 12 months RAC breakdown cover

✔12 months MOT
We can cater to a wide range of circumstances – so even if you’re unemployed, self-employed, on a benefits-only income and you have bad credit we can still get you car finance.

 

Fill out our quick and easy application form now!

 


Any Questions?

Why not talk to us directly by giving us a call using one of our numbers below or sending us an Email, alternatively use our contact form.