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Dear Pegasus, I really could do with a new car but have quite bad credit history, can you still help me as a friend recommended I speak to you. I was behind on a few credit cards but am up to date now and can afford about £300 a month for a newer car. I do have some money I could put towards it and my old banger which might be worth £500 to part exchange.

Hi Phil,

Yes we should be able to help you as we have several lenders who we know that specialise in car finance for customers who may have a bad credit history.

They understand that everyone experiences a few problems at some point and as long as you have the income to come the monthly payments now then they will give you a chance to rebuild your credit history.

Bad credit car finance needn’t mean high interest rates either and can start from around 13% APR. A deposit can be helpful and coupled with your part exchange will help to reduce the monthly payment or repay over a shorter loan term.

Please thank your friend for recommending us and should you wish to see some reviews from precious customers please take a look at our review page.

To apply you can either phone one of our car finance advisors on 0800 066 2882 or complete our short online application form and we’ll contact you as quickly as possible.

We look forward to helping you.

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