CCJ'S - POOR CREDIT - REFUSED FINANCE ELSEWHERE?

Late payments, Defaults, County Court Judgements (CCJ's), Bankruptcy or Individual Voluntary Arrangements (IVA's). In today's world it could happen to us all. Sometimes things happen that are beyond our control - divorce, failure of a business venture, failure of someone else's business! If you are affected then you know that it can easily make it very hard, if not impossible, to obtain finance. If you are a tenant, a new start business or a business with poor accounts obtaining credit can sometimes appear impossible. 

If you need a vehicle and are having trouble obtaining finance we can assist. We have many years experience in this field with an excellent success rate. We can offer a number of facilities from different funders, one specialises in Contract Hire, who are, we feel, the most flexible of our funders and great for someone looking for a nearly new vehicle. Flexilease, perfect for vans and higher mileage users, ideally for people opting out of the company car scheme. Ongoing Rolling Contracts ideal for customers without CCJ's and not in IVA's. Hire Purchase perfect for those where a part-exchange is essential, someone looking for an older or more specialised car.


Unlike so many other companies that offer assistance in this area, we are not a finance company that charges exorbitant rates or or a car dealer selling cars at over inflated prices. We act as agents for some of the few specialised funders in the market. It is our job to get the best acceptance terms and prices on your behalf.

The main reason why we can’t assist our clients is down to the simple fact that after enquiring, and our initial response, clients don’t send back the requested items – why is this?  - Perhaps they feel it is not worth the effort only to be declined again – not true, we have an excellent success rate once we have the paperwork to process. Perhaps they have sent items off before and never get a reply – not from us, we always respond, even on the very rare occasions we can’t assist.

If you are not sure on any aspect, please talk to us, our many years of experience enables us to know how and where to place your proposal to get the best possible results.

Typically most lenders would ask for four rentals as an advance payment, although we can get deposits as lower as just £400 for near prime customers. All vehicle makes are available with the best deals being on recent used vehicles. If you require a specialist or prestige model that is not so easily available the lenders might ask for a larger initial payment but, of course, this then reduces your subsequent payments. We can source the vehicle AND the funding or alternatively you can find your own vehicle from a local dealer and we could arrange the finance.

Whatever your circumstances you can be guaranteed that your enquiry will be treated with the same professionalism, courtesy and enthusiasm as all our customers have come to expect

Once you have completed the online application form:

For Contract Hire (possibly the most flexible funder) please then email / scan, fax or post – copy Driving Licence (card and counterpart) and 3 months bank statements

For Flexilease – please then email / scan, fax or post – copy Driving Licence (card and counterpart) and a utility bill dated in the last 3 months

For Ongoing Rolling Contract – please email or phone for specific application forms

For Hire Purchase – Copy Driving Licence, Passport and Proof of income will be requested after acceptance

If you are confused in any way why not discuss this with one of our consultants who will explain everything in a very straightforward way, please feel free to telephone us, office hours, Monday – Friday. We look forward to receiving your application.