Can I get vehicle finance even with a bad credit rating?
Yes, you can. We are specialists in providing car finance for people who have had previous problems obtaining credit. As long as you are not currently bankrupt, 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 car finance?
It couldn't be easier: you can either apply quickly and securely online 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.
What do I need to supply to be accepted for car finance?
We will need to see a copy of your passport, driving license, 2 utility bills and 3 months’ personal bank statements. For a company, we will also need 3 months’ business bank statements.
I was made bankrupt two years ago; would I still be accepted?
Yes, it does not matter to us if you were bankrupt, have CCJs, defaults or have had previous cars repossessed. We will still accept you.
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 occasionally it can take a little 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 on how much you wish to borrow and over what period you wish to repay it. We will tailor your loan 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 that you were unable to make repayments due to redundancy, sickness or 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 including your credit history and income. We find that most of the time we're able to get you the credit limit you request.
Who receives payment for the vehicle?
We pay the money directly to the dealership. That way you don't have to do any extra work.
How long is my offer valid for?
For thirty days, although an extension can usually be arranged if the vehicle purchased is delayed for any reason. Always remember to keep in touch with us, if you want an extension we need to know.
Do you sell vehicles?
No, absolutely not. We only provide the finance for you to buy the car; we stick to what we know best to ensure we get the best finance package 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 AnyCredit Car Finance, 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 application over the phone or online by clicking here
I've been turned down elsewhere. Is it still worth applying?
Yes. Every day we help customers who have been turned down by other lenders.
I'm self-employed can I get car finance?
Yes, you can. Simply click here to apply online now.
