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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

In today’s unstable economic market it can be very difficult to obtain guaranteed car credit or other finance. What once seemed so simple is now becoming increasingly more difficult and stressful. Many companies now require more extensive detailed information about your finances before they will offer you guaranteed car credit.

What’s more, most of us have had trouble sin the past financially. We can all struggle to pay bills, repay our mortgage or pay off our credit cards from time to time and this can be extremely damaging to our fragile credit rating. Many UK lenders will automatically transmit your details to the credit companies. Because all these details will be passed on to your credit score, this can negatively affect your chances of acquiring guaranteed car credit when you apply.

In order for your car finance application to become successful you need to ensure you study the following points to make your way to guaranteed car credit bliss.

The first thing you need to do, is make sure you know how bad or good your credit rating really is before you apply for a loan. Find out exactly what your credit score is by using any number of the free credit check online websites available online. This will highlight your weak areas and your strong areas and put everything in black and white for you so you know what it is you are dealing with.

In some cases you may contact the lender of the company that has left you a negative submission, or enlist the help of a specialist company. They may change these submissions for you and make your credit report a bit healthier.

Make sure you know your current financial situation and have copies of your last six months bank statements ready to show to your prospective financial lender. There are many things that the financial company will take into account to judge if they can offer you guaranteed car credit. Some of the things they will look out for include when your wage gets paid, how long it lasts you before it is spent, if you have been overdrawn at any time and what commitments you have already. This makes it possible for you to achieve loans such as no credit check loans if you are suffering from poor credit. The lender will judge your ability to comfortably pay back the loan rather than your past credit history.

Credit companies will also look favourably on your car credit application if you can prove you are in stable long term employment. The usual criteria are that you have been in your current job for around 1-2 years and have a generally stable past employment history. If you can show proof that you are a full time permanent employee on a good wage and it is estimated that you are likely to remain employed in this position for a long time, then they are much more likely to offer you guaranteed car credit regardless of a poor credit history.