CCJ'S - POOR CREDIT?

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 or not on the electoral roll, 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. Although we do offer a Hire Purchase facility we find Business or Personal Contract Hire gets by far the best success rate and gives our clients what they need - the use of new or recent used reliable vehicle.

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.

As every customer has a different credit history and an individual vehicle requirement, quotations can often vary depending on the which funder we gain an acceptance with. In view of this, we will work to gain the approval on the finance first before offering any quotations. We are always happy to give indicative figures, please telephone us for details.

Typically most lenders would ask for 6 rentals as an advance payment, although payments do start as low as 3 or 4 rentals. All vehicle makes are available with the best deals being very 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 source the vehicle AND the funding. Although we can fund vehicles that you have located, our buying power, be it on a new or used vehicle, usually means our vehicle prices are substantially better than can be obtained by our clients.

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

Simply fill out our 'Obtain a Quote' enquiry form. Ensure you click 'Yes' when asked 'Do you have any credit problems and include brief details of your credit history in the 'notes' space provided. You will receive a proposal form within 24 hours for you to complete. We will ask you to fax or post the form back to us along with further information, typically:

Copy of your driving licence (including the paper counterpart if a new style)
Copy of a recent utility bill at your current address (dated in the last 3 months)
Your last 3 months bank statements
Your last 3 months payslips
Copy of tenancy agreement if applicable (just the sheets that show names address)

You might like to gather this information together while you are waiting for the application form to be emailed. If you have any queries, or problems supplying any of the information requested above or have not received the application within 24 hours please contact us.