We do not base our decision on your credit score. We are specialists in bad credit car finance and help people who may have had trouble obtaining finance elsewhere. We do this by looking at your affordability as opposed to credit scoring. We do perform a credit search to review your financial history, but our lending decision is not solely based on this.
• Photo ID – We will use this as proof of your identity • Proof of income – Wage slips or bank statements, minimum of 2 months will be required • Proof of address – This can be in the form of a utility bill or council tax bill.
We may require further documents depending on your application
A Payment Reminder System (black box) is placed into your newly purchased car (don’t worry its small and discreet so you can’t see it in the car) and once a month, when your payment has been received, a code will be sent directly to your device and this allows your car to keep running until your next payment.
You will need to request an early settlement figure from us and settle your current contract before you can begin a new one. Our customer service team will be able to give you details of the early settlement balance.
You will receive a signed copy of the Hire Purchase Agreement. You should ensure you have read this document and understand the terms and conditions of the agreement. Please retain this document for your records.