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Know your credit score

Your credit score will help lenders decide on your credit worthiness and how much of a risk you are as a borrower.

At Stoneacre, we can help you get behind the wheel whether you have poor credit or excellent credit, as we work with some of the UK's top lenders and consider all circumstances.

We've summarised each category below to give you even more understanding of how your credit score can affect your application.

Credit score explained

What is a credit score? - A credit score is a number that lenders use to help them decide on your credit worthiness and how much of a risk you are to lend to. Your score is determined by your credit history and the maximum credit score ranges depending on the credit reference agency. For example, Experian scores out of a maximum of 999.

To make it easier to interpret your score, most credit reference agencies will show your score on a scale of Excellent/Good/Fair/Poor.

How to find out your credit score

You can easily access your credit score by going to websites such as Experian or Equifax. TransUnion (under the name Credit Karma) provides free access to your credit score for life.

You may also request a written copy of your report from your credit reference agency.

Excellent credit

Having excellent credit will give you access to the very best deals as most lenders will consider this category to be very low risk and expect very few people to have serious difficulty repaying the loan.

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Good credit

Naturally, if you have good credit then you have a good chance of being accepted for car finance. Most lenders will regard this score as posing low risk and would expect few people in this category to have serious difficulty sticking to the agreement.

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Fair credit

If you want car finance with fair credit, most lenders will consider you to be a moderate risk and expect only a small number of customers in this bracket to have serious problems meeting their finance payments.

Fair credit car finance is certainly a possibility with us so there’s no need to be put off if you’ve had some credit difficulties in the past. Our award-winning team will do their best to get you driving away with an affordable monthly payment.

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Poor credit

Most lenders will consider customers with poor credit to be of a high risk and expect a high proportion of people to have serious difficulty repaying the loan.

However, here at Stoneacre we specialise in poor credit car finance and have a 2/3 approval rate.

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Bad credit

Bad credit car finance is possible. Even if you've had defaults or CCJs in the past, we will consider all circumstances and source the best possible lender for your circumstances.

There's no harm in checking your eligibility, as an initial application with us won't negatively affect your credit score.

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Finance Disclosure

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0800 111 6768.

Representative example
Cash Price£13,000
DepositNil
47 Monthly Payments£280.51
Amount to Finance£13,00
Total Interest Payable£2,743.97
GMFV£2,950
Total Amount Payable£16,133.97
Option Fee (Included in TAP)£399
Term48 Months
Rate of Interest (Fixed)8.83%
APR9.9%
Miles per Annum8,000
Excess Mileage Charge6.0ppm

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