Express Car Credit will not turn you away if you have bad credit. We specialise in providing car finance for people who have do not have the best credit and are unable to obtain finance elsewhere. If you can afford the repayments we should be able to help you. For us to give you more information on this please contact us and we will give you personal advise.
We can provide finance to you if you are self employed, we may require 3 months worth of bank statements for us to know that you can afford the repayments.
Due to UK law you need to be 18 years old or over to have a financial agreement. Unfortunately if you are under 18 you will have to wait a little longer.
We will provide finance for you to obtain your car from Express Car Credit or from any trusted UK dealer. Contact us for more information.
When you apply online you will get a provisional offer immediately then one of our representatives will give you a call within the hour to confirm your details and arrange the next steps.
Proof of income, Copy of driving licence, Proof of address etc.
APR is an abreviation for Annual Percentage Rate. Lenders are required to state this rate under the Consumer Credit Act in order to calculate the amount you will be repaying and to compare with other lenders.
Credit ratings are used to predict the customers behavior in terms of repayments based on your past credit history. Any credit card, loan, and direct debit payment you have had will influence your credit score. Your credit rating can affect your car finance rate.
What is Good Credit?
Roughly a credit score 700 and 850
What is Average Credit?
Usually a credit score 620-699
What is Bad Credit?
Roughly a credit score between 300-619
What affects my credit rating?
The following may affect your credit rating amongst other factors
Number of late payments
Type, length of time held and amount of bank accounts obtained
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