Are you looking for car finance and your income is from benefits? We understand that some lenders may not take your income into consideration. But being on benefits doesn’t mean you can’t get car finance. Many people think that if you are receiving benefits then your income is not reliable source when it comes to getting a car loan but we disagree.
We understand that people on benefits have a steady income and we welcome those people who live in Manchester and surrounding areas to apply for car finance with us. We can also help if you have experienced bad credit and may have a low credit score due to missed payments in the past.
49.6% APR Representative – Subject to status & affordability.
We can provide you with a range of car dealers in the Manchester area and surrounding regions, so you can find a car that suits your needs and budget. Our dealers have hundreds of vehicles on site to choose from, which means they have cars to suit everyone’s needs.
We have made our car finance process as simple and straightforward as possible for you so you can get into a new car as soon as possible:
To apply for car finance through ourselves, please note that you must have an income from employment in addition to any other benefits to be considered for a loan.
Whether you’re looking for car finance in Greater Manchester, Stockport, Bolton, Warrington, Wigan or anywhere in between, we could help you secure the finance you need.
Hire Purchase is one of the most common types of finance, it is really simple – you hire the vehicle and make fixed monthly repayments until you have paid off all of the agreed finance.
There are no surprises at the end of your agreement such as balloon payments or mileage restrictions.
The entire car price is spread across your agreement term and once all monthly payments have been made the car becomes yours, making it one sensible option for borrowing.
Have you been refused car finance due to bad credit? Don’t worry it does not mean that you can’t get car finance! We are specialists in bad credit car finance.
Many of our customers have been refused car finance from mainstream lenders because of poor or bad credit history.
Apply via our online application form to find out if we can help you secure the finance you need for your next car purchase.
We can offer loans from £3,000 to £10,000. Use our car finance calculator to see what your fixed monthly payments would be.
You can apply for finance direct via our website. Just fill in our application form and one of our sales agents will be in touch.
We are specialists in providing car finance to people who have experienced bad credit in the past.
Our customers are never judged solely on their credit history. Instead, decisions are based on a blend of science and human judgement to
understand whether the repayment schedule will be manageable for the customer.
This approach allows us to consider any extenuating circumstances such as a poor credit history, self-employment or any previous mortgage
or council tax arrears and view you as an individual, not just a number.
For more information, please visit our Bad Credit Car Finance page page.
We do not offer guarantor finance, but we do help people who may have experienced problems getting finance in the past. For more information, please visit our Bad Credit Car Finance page.
Yes, you can. Unlike some mainstream lenders we take benefits into consideration when reviewing your income. For more information about on this, visit our Car Finance for People on Benefits page.
There is criteria that has to be met such as maximum mileage restrictions and maximum age of vehicle restrictions.
We can help you source the car you want from one of our reputable dealers across the UK.
All of our dealers are authorised and regulated by the Financial Conduct Authority.
By only choosing dealers that are FCA regulated reinforces our high standards of service to our customers.
We specialise in providing finance to individuals who have struggled to obtain credit. We charge a higher APR on our finance products because we serve the sector of the community,
which are usually excluded from conventional lending and our customers are seen to be a higher risk by other lenders.
To reward our loyal customers who have proved they are committed to improving their credit could receive a reduced interest rate on their next agreement.