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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
Looking for car finance with a bad or non-existent credit rating 
can be extremely difficult and stressful, but there are various 
loans available for people in your situation. You can get no credit 
check car finance and get back on the road to a healthier credit 
rating at the same time as getting the car you need. With this 
type of loan you will not be required to undergo a credit check. 
The finance company will need to see evidence, usually in the 
form of bank statements, pay slips or both, to ascertain whether 
or not you are capable of repaying the loan and how much you 
can afford.

When applying for a no credit check car finance loan make sure 
that you have all the available information to hand before you 
apply. Make sure that you know what your credit rating is really 
like so that you know where you stand. Find out what your exact 
credit score is so that you can ensure you get the interest rates 
that you are entitled to.

When discussing car finance with your chosen company you should 
ensure that you cover all available loans and the benefits and 
disadvantages to each kind of loan. There are various types of 
loans available for people with no credit so don’t just settle for 
the first one that they offer. 

Another type of loan you may wish to consider is no-deposit car 
finance. This type of loan substitutes the deposit for a slightly higher 
interest rate. This is most beneficial to people who need a car 
quickly and cannot afford to pay a substantial deposit upfront. 
A no-deposit loan has recently become more widely available 
for people with no credit history, a poor credit history, or those 
that are self-employed.

It can be tempting to choose a car finance loan that offers a 0% 
interest rate. Do not be fooled by this advertising gimmick. 
Although it may seem beneficial at first glance, in the long term 
this loan leaves you no better off and you will need to supply a 
hefty deposit which can be as high as 33% of the vehicle cost.  
For example, if the car was retailing at £3,000 you might be 
asked for as much as a £1,000 deposit before you can drive it 
away. As you can see, such a large sum of money would take 
time to accumulate and may not be the best option if you are 
in need of a car straight away.

If this money were to remain in your bank account the amount 
of interest gained would approximately equal the interest you 
would have had to pay. The car finance company can offer a 
0% interest rate simply because they will then accumulate this 
interest from your deposit instead.

Do not let having no credit harm your chances of getting the car 
you need. Even if you can only afford a small loan, paying it off 
will significantly increase your credit score for future loans.