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 – we aren’t here to judge, we’re here to simply get you into a car.

As one of the leading bad credit car finance dealers in the North East, we 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!

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Can you help me?

To apply for car finance with Really Easy Car Credit, you should 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

Why do I have bad credit?

There are lots of reasons why you may have a bad credit score. If you miss payments, have defaults or CCJ’s your credit score will be affected and you’ll have a harder time getting approved for credit.

If you have no credit history at all, you may also find it difficult to get credit, as lenders want to see you’ve been responsible in the past by repaying your credit on time.

Why should I choose Really Easy Car Credit?

  • No payments for up to 45 days
  • No deposit options
  • 12 months RAC breakdown cover
  • 12 months MOT

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 but 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. It’s 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!

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.

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