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Pay Weekly Car Finance can help you arrange car finance on a wide selection of used cars that can be delivered to your door anywhere in the U.K.
All you need to do is fill in our easy car finance application that uses soft searches to submit your application to every fair and bad credit car finance provider in the U.K.
If your issues are historic and your most recent credit history is OK then you could qualify for fair credit car finance. Pay Weekly Car Finance use every fair and bad credit provider in the U.K. to guarantee you the lowest possible rate for your personal credit rating. Every credit search is a soft search so there is no impact on your credit rating and we’ll just come back to you with your finance options.
The only way to know which approval you’d get is to apply for finance. There are credit reference agencies that can give you an indication of whether your credit is good, fair or bad, but every car finance provider we use, uses their own credit scoring system, so your Clearscore could say that your credit is bad, but you could qualify for a Fair Credit rate or vice versa.
There is no difference really, these are 2 terms for the same thing. There are a mix of finance companies that offer poor credit finance but each have different criteria so there is a chance you could get accepted by only one finance company or by all of our bad credit providers.
If you have bad credit on your credit file, it’s usually too late to do much about it as you would have been given opportunities to contact your credit provider to explain or to maintain your repayments while any dispute is resolved. You can add a notice of correction to your credit file which anyone considering your application must read, but they do not have to offer you finance as a result of this. Our best advice, if you are having disputes with any credit providers, is to maintain your payments while you resolve your dispute, that way, you aren’t impacting your future credit options.
You usually have 30 days from the original approval to use the approval before the finance company will do another credit search. We’ve seen it a lot of times where someone gets approved one month and then declined the following month and there are multiple factors that can affect this. Some companies do hard credit searches when you apply, this can have a big factor on whether you get approved in the future so you should carefully consider any finance application you make.
The rate is higher because the rate of default is higher. Unfortunately, with this kind of thing, you pay extra to cover the people that don’t pay as finance companies don’t often get a lot back for cars they repossess compared to the amount they are owed.
You should carefully consider whether car finance is an option you want to take as it is a commitment for several years, not just today.
