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This is a great service and l got approval within 40 minutes !
Mrs. Kelly - Enfield
I have a very poor credit history but got approved the same day
Ms. Downsize - Harlow
Poor credit and no deposit - we still got the finance we wanted
Mr. Regent - Romford
So you have bad credit and are in bad need of a car. 
After all, you can’t get to work without a car and you can’t get a car 
without going to work. Don’t fret about it. Many car lenders offer 
various types of finance for every type of credit, including yours. On 
average, you need about £1,000 a month to be approved for any 
type of loan. Monthly payments depend on such things as the purchase 
price, down payment, term and interest rate. 

Certain past bankruptcy procedures might stand in your way of the 
financing you need, so be aware of this. However, many lenders 
have specialists that work with you based on any type of bankruptcy 
found in your credit report. You can still obtain financing for the car 
of your dreams with bad credit car finance it just might take a bit more work. 
If you have been turned down in the past because of bad credit, 
keep searching. There are lenders out there that will work with 
you to get you behind the wheel. 

A co-signer is another option you may want to look at if the person 
has good credit. However, be aware that it is still your responsibility 
to make monthly payments. If you fail to do this, your co-signer 
is on the hook. This can lead to some serious personal problems 
especially if the co-signer is a significant other, family member, 
parent or close friend. Losing a relationship of any kind over a 
vehicle just is not worth it. If you choose this option, be careful 
and be sure you are able to make your own payments on a 
monthly basis.

Depending on the amount of the pre-approved loan you may 
end up having to settle for a used car instead of a new one. 
While you might not get the car of your dreams with bad 
credit, you can at least get the needed transportation and 
help your credit in the process by making your payments. 
If you end up getting a used vehicle instead of a new one, 
there are extended warranties you can purchase as well as 
other protection plans that vary by dealer. 

Bad credit loans are also available for those of us with less 
than stellar credit. However, if you choose this path be 
careful of interest rates. Bad credit car finance is often 
approved pretty quickly. In order to protect themselves 
for approving folks with bad credit, they often raise interest 
rates as much as 15% higher than the prime rate. So 
before you choose to apply for a bad credit loan, make 
sure you can pay anywhere from £250 to £1,500 in interest. 
This should probably be your last resort only if all other 
lenders have turned your applications down. 

You can also still apply for car finance if you have a past 
repossession in your report. Because lenders and dealers 
want your money this gives you the power of negotiation 
so remember the ball is in your court.