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Affordable poor credit car finance

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Poor credit car finance

If you’re putting off applying for car finance because you’re worried about your poor credit history, then don’t be.

At Stoneacre, we understand there are many reasons you may need to apply for poor credit car finance. Whether you’ve missed payments in the past, have CCJs, have little or no credit history or are self-employed, we can help.

We strive to ensure that everyone can afford the car they deserve regardless of past mistakes. We work with a range of specialist lenders who can offer poor credit car finance in a variety of different circumstances. So whilst we can’t guarantee finance for anyone, we have an impressive two-out-of-three approval rate for finance applications.

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How does poor credit affect your ability to get finance?

Having a poor credit history doesn’t mean that you can’t get finance. However, some lenders may be less likely to offer car finance to people with poor credit.

When you apply for finance, lenders will look at your borrowing history and will consider if you’ve had or have a mortgage, credit cards or other loans and how much is left to pay on these. This gives lenders an idea of how affordable more credit is likely to be for you.

Lenders will also look at how you have repaid any credit that you’ve had, for example checking to see whether you have missed or been late with any of your payments.

There are a number of other factors that lenders may take into consideration including:

    - Whether they can find you on the Electoral Roll

    - Whether your address and employment history match what's on the proposal

So making sure you keep your information up to date and fill in finance applications accurately is essential.

Many people believe by applying to lots of different lenders they are more likely to get accepted. However, this is not the case; multiple rejected credit applications can work against you as they give lenders the impression you are applying for credit without due consideration. Also, every full search done reduces your current score and also your chances of being approved.

Once lenders have all the information they need, they use a mathematical model to create a score that reflects your credit history, this is known as your credit score. Your credit score reflects the likelihood of you repaying credit to lenders; the lower your score, the less chance you have of being accepted for finance.

When looking to apply for finance finding out your credit score can be a great place to start as it will give you an idea on how likely you are to be accepted. However, different lenders have different criteria so if you do have a poor credit history it’s a good idea to look around for a deal that you’re more likely to be accepted for.

When you apply for poor credit car finance with Stoneacre you can sit back and relax as we do all the hard work for you. We work with a wide-variety of lenders which allows us to carefully select the lenders more likely to consider your circumstances. We begin by doing a ‘soft search’ which doesn’t reduce your score, it simply tells us the best lenders to use for your score which reduces the number of searches done.

Get accepted for car finance with poor credit

The lenders we work with are more likely to consider how affordable finance is to you now, which makes the likelihood of acceptance greater. Plus, with multiple lenders at our fingertips we will find you the best possible deal for your circumstances.

There are a few simple steps you can take to help manage your credit score and improve your chances of being accepted for credit:

    - Review your credit report regularly to make sure information is accurate and up to date

    - Don’t miss any repayments

    - Close any unused credit accounts as having a large overall credit limit may put some lenders off lending you more money

    - Make sure you’re registered on the Electoral Roll

We’ve helped plenty of people get poor credit financing so why not find out if you’d qualify by filling out our simple form. It’s easy to complete so will only take a few minutes.

We won’t leave you hanging about either, our average turnaround time between receiving an application and contacting you to complete the process is under 10 minutes.

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

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