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Credit problems…?
…we can still help.
As an independent dealer, we search the market to find the best possible finance package to suit your needs, no matter how big or small your purchase.
All you need to do is choose the car you want and we’ll do the rest.
Our Finance packages are tailored to suit your situation, setting out the deposit and payments you can afford, plus the finance period.
Our team are ready to help, regardless of your credit score so please fill out the form below and we’ll get back to you soon.
Can I get pre-approved before visting your office?
Yes, we can secure a no obligation finance deal for you, with affordable monthly payments, without you having to visit us. To arrange this in advance we would need some basic information from you, so please just give us a call on 020 8566 1777 and we can talk you through it.
Is there a minimum deposit to pay?
You do not need to pay any deposit to secure finance through us. However, we do ask for a holding payment to reserve a vehicle for you and you can relax knowing that no other customers will be able to view your vehicle.
Can I drive away the car on the same day?
Yes – once the finance is in place, we also offer same day drive away insurance which covers you for up to 5 days. Alternatively, you can arrange a change of vehicle insurance from your existing provider to cover your new vehicle.
Which lenders do you use?
As an independent dealer, we are able to search the market to find you the very best deals available. We partner mainly with three of the top UK lenders to offer you a broad spectrum of options – Mann Island Finance, Motonovo Finance, and Blue Motor Finance.
Am I allowed to settle the finance early?
Yes, every lender offers you the ability to settle in part or in full. You are entitled to pay off lump sums at any time and the lender will either reduce your monthly payment or term. You are entitled to settle in full at any time and you receive a rebate of interest less a small early settlement fee, which is usually around 30 days interest.
What happens to existing finance on my part-exchange?
Once we value your car we can settle your existing finance for you direct with your finance company and if there is any equity you can either put that down as a deposit against the new car or else we can transfer you the funds.
What if I have bad credit?
Having bad credit doesn't mean you can't borrow money to buy the vehicle you need, but it may mean some lenders won't approve you. We are specialists in helping customers with bad credit get a car loan and have arrangements in place with certain partners to help in these cases.
What ID do I need to apply for Finance?
Once the application form is complete, you must provide back-up paperwork, specifically your driving licence, proof of address (e.g. utility bill) and proof of earnings (bank statements) for the past 3 months.
Sometimes the finance company do not need any proofs or ID as they can satisfy their requirements using technology. They may also need to see a copy of your driving licence/proof of address/proof of ability to pay (bank statements). It all depends on your credit profile.
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