Poor Credit Car Finance - Motor Finance 4u, Tunbridge Wells, Kent
Motor Finance 4u - Used cars in Tunbridge Wells
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Car Finance For Poor Credit Rating

Poor Credit Car Finance

Need car finance but have a poor credit history?

If you're wanting car finance but are unfortunately burdened by poor credit history, Motor Finance 4 U can help. Here at Motor Finance 4 U we're able to see past a poor credit history and work closely with you to help you obtain car finance as we're committed to helping arrange credit for those who have had obtaining credit elsewhere.

Your financial circumstances will be individually looked at and together with you, we will try to overcome your past financial difficulties to help you get car finance. So whether you have had mortgage arrears, CCJ's, are self-employed or have other payment defaults in the past, you can still apply for car finance and we'll do our very best to help you.

It's important to remember that no one is guaranteed to be accepted car finance, however we look at cases individually and thanks to our close relationships with our large panel of lenders, it's still worth applying as we might just be the ones to help you.

In most cases when obtaining car finance, if you have poor or no credit history at all, we'll aim to keep your costs low regardless, making the car finance packages still very attractive to you. In most cases, a deposit isn't even needed so if you do get approved, you can drive away happy in a new car while also helping to build your credit history as long as you keep up with payments on your agreement.

How to get car finance with a poor credit history

Certain individuals believe that when applying for a loan/finance that applying for numerous loans at once will increase their chances in being accepted, however, this can actually be damaging to your credit rating so we'd recommend avoiding using this method as it is a simple misconception.

The reason why it could have a negative effect on your credit rating is because every loan application you submit, a note is placed on your credit profile which is visible to lenders when they do a credit check. The main information that is tied to your credit rating is financial commitments as well as current status and financial history. Lenders will take all of these aspects into consideration when you apply for finance.

Along with a note being placed on your credit rating every time you apply for a loan, if you apply for various loans within a short space of time it makes it seem like you're financially desperate, which will make a lender more likely to refuse your application.

It's why we recommend using specialists such as ourselves. Our services are incredibly easy to use and not only does it take the hassle out of hunting for the best deals when you use a specialist, but once your application is accepted, we'll also take care of the administrative side of things too. The only bit we leave for you, which is arguably the trickiest part of the process is to choose what car you want!

A breakdown of how our service works:

  • Complete the quick and easy application form
  • Once you're approved, the amount you're able to borrow will be discussed with your personal finance advisor
  • Choose the vehicle of your choice from any reputable dealer
  • Once you have decided on the car you would like, give us the details and we will take care of the rest
  • Once all the details are finalised, we'll send you some paperwork to sign and return to us which will enable us to do our final checks. Once everything is in place, you'll be able to collect your stunning new car - it's really that simple!

Always on hand to help

We take pride in giving you the very best service while offering a professional, yet very personal and friendly customer experience. Part of our commitment to you is that we will do our utmost to make the whole process as stress-free and straightforward as possible while guiding you through the application process, right up to the point of collecting your new car.

Why use Motor Finance 4 U?

Motor Finance 4 U have an extensive portfolio of lenders. This enables us to find the most suitable loan for you, whether you have excellent credit history or poor credit history. Any finance plan is based on your budget and credit profile, so you can get payments that are affordable to you.

We'll do our best to get you the best finance deal to meet your needs but please note, we reserve the right to refuse an application if we feel it is not in your best financial interests.

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What our customers say

Hi Bradley, That's great. Thank you very much for your help. You've been a pleasure to deal with and I wish you all the best for the future mate. KR Roger

Hey Phil Just wanted to say a huge thank you for being so good and providing me with an excellent service over the past few weeks, I really appreciated you keeping me up to date and informed all the way along and for sorting it all so quickly and easily for me. I have to say its been an absolute pleasure dealing with you, thank you very much Christian 

Well what can i say about pinnacle finance firstly we dealt with jake a fantastic customer advisor from beginning to end his attention to detail to make sure we make the right choice and that we was fully happy with the decision we made and he kept in contact every step of the process i would fully recommend this company to my friends and family    Kevin Turnbull & Claire Hawkes

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