Getting approved for car finance before you go to the car showroom quite simply puts you in the driving seat before you see the car you're interested in. You will have the confidence knowing you have already got your car finance sorted which allows you to concentrate on whether the car, and the dealer who has it for sale, are the right choice for you.
Car dealers invariably have fewer finance lenders they deal with and so have fewer options from who they can get you a quote. At Get Car Credit we specialise in car finance and have multiple lenders we deal with ensuring you get a competitive deal that's right for you before you even enter the car showroom.
We give you the confidence in knowing how your credit rating will affect monthly payments, and exactly what your payments will be for the amount you wish to borrow. This makes Get Car Credit the ideal place to start your car buying journey.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.