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If you have poor credit the good news is that we can still give you a car loan. It may not be as easy or at as good a rate as if you had a good credit rating. We will see you as high risk and even if you intend to pay back every penny on time we will still be a little wary. We need to cover ourselves, and at the same time will make sure that we only charge what we really need to.
Often if you have a poor credit rating you will find that it is more of a secured personal loan that we will offer you. You are going to need to have someone else in your corner to justify that you are a legitimate person who will pay the loan back.
At Budget Auto Finance we will sort you out with a deal that is not going to mean you have to put that much down, as our primary goal is to achieve customer satisfaction.
You need to be prepared to pass on details of you credit past as well as bank account details. If you have a savings account and have been paying into it regularly you will be looked at in a better light and could find that even though you have a poor credit rating you redeem yourself a little with this account.
When you are researching these loans, which can also be referred to as “second chance loans”, this is what our company is giving you. Pay it off correctly and your credit worthiness is going to improve, but if you find you can’t make the payments again you will find you struggle even more net time. Our advice to you would be to make sure that you agree to a car and a repayment scheme that is well within your budget so as you will get to the end date without missing a payment.
We try to make things easier and often all you need in the way or repayments and insurance will be included in the payment so you only have one repayment method to us. It will also help you to use our services as we will be responsible for all deals and requests and it will not be the case that you have a lot more searches showing up on your credit report.
At Budget Auto Finance we take the hard work out of getting credit when you have a poor record and if we can’t get provide the deal you want it is unlikely that you will be able to obtain credit anywhere.
