FAQs

Frequently asked questions

When you apply for car finance with Get Car Credit we carry out what is known as a 'soft search' that will show only to you on your credit profile, that search will not show to other lenders.

If you are approved and then decide to go ahead with a finance offer, only then is a full credit check carried out that will show on your credit profile to other lenders, and of course to you too.

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As a specialist broker in all types of credit history we help people every day with excellent, good, poor and bad credit profiles who are in the same or similar situations to you. It's what we do, so you're in the right place.

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Had an application turned down and been refused car finance due to poor or bad credit history? It doesn't mean you can't get car finance. We are specialists in bad credit car finance, so there is every possibility we can help. Many of our customers have been refused car finance elsewhere.

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Being on benefits doesn’t mean you can’t get car finance, even if you have bad credit. We are bad credit car finance experts and understand that some people on benefits have a steady income. We welcome applications from people who are on benefits, have CCJs, defaults, and arrears.

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Having a county court judgement or being in arrears doesn't necessarily mean you can't get car finance. We have helped many customers in this situation. We are bad credit car finance specialists, so you're in the right place.

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No deposit? No problem. Our lenders offer car finance deals with no deposit for good and bad credit profiles. As a car finance specialist we help you get the finance deal you need in a way that works best for you.

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Yes, you can. You will have to supply your last three months bank statements which proves your income. We cannot finance self-employed people if they do not bank their income. We also welcome applications from those who are on benefits, have CCJs, defaults, and arrears.

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Yes, you can.

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No, not necessarily, but you do need to have a regular income as we will only lend to you if you can afford to pay it back over the period of time we agree. Please be aware that we will ask for evidence to support your application.

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Yes. They will be fixed for the entire term of the agreement.

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Unfortunately not. We can only provide finance for people who have a full UK driving licence.

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Yes, you can. We will help you obtain a settlement figure from the lender - this is the amount you will need to pay to end your finance agreement.

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Yes you can. You will need to request an early settlement figure from the lender and settle your current agreement, then you can begin a new one.

Our customer service team will be happy to assist in getting this for you. The process is very simple and we will be happy to run through it with you.

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Yes, you can trade in your current car. The value of your part exchange will act as a deposit, which means you will be borrowing less so your monthly payment will be less.

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You will need to comprehensively insure the car. Car insurance is not included in with your finance agreement monthly payments.

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Yes, you do. A current UK bank account is required to take a Direct Debit from your account.

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Yes. Most of our customers do not own their own home. Car finance is secured against the vehicle.

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No, we do not charge a fee. We may receive commission from lenders or brokers for introducing you to them or when you sign your car finance agreement with them. 

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It is important to us that once you have a finance deal offer in place, we help find you a quality car that suits your needs.

Once your aplication has been approved you'll be sent a selection of cars available that meet your budget from our approved dealer.

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Mainstream lenders can be reluctant to offer support to those who have struggled to keep up with repayments in the past. Black Box Car Finance, or Pay as You Go Car Finance as it is also known, is one of the options out there that could help you get a car on finance.

It’s often easier to get approved for than other traditional loans and – with handy built-in payment reminders – a Black Box car may even help towards rebuilding your credit score. There isn't the same strict criteria as other lenders you may have dealt with in the past. We have a close relationship with a lender who offers this type of car finance, so we may be able to help.

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There is no such thing as guaranteed car finance. No company can guarantee car finance, be very cautious if are looking to deal with a company that makes this claim. Regulators do not approve of using this phrase as it is misleading and used to tempt customers into applying for finance.

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