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The Car Loan Centre supply quality used vehicles and finance to customers who have been declined elsewhere, even with poor/bad credit histories. We lend our own money and make our own decisions.
Our aim is simple: To supply each customer with the right car to suit their individual circumstances, needs and budget.
We pride ourselves on being able to consider applicants who have been turned down elsewhere. Every customer's application is assessed by an individual, we do not rely on computer generated credit scores. more info
As we lend our own money, we make our own decisions, so even if you've been refused elsewhere, we are in a position to say YES. We are authorised and regulated by the Financial Conduct Authority (FCA) as a lender. We are also Specialist Automotive Finance Approved by the Finance & Leasing Association.
The Car Loan Centre will assess its customer's applications on an individual basis, taking care to ensure that any finance provided takes into consideration your current circumstances and ability to repay.
As such we base all of our Finance underwriting decisions on you as an individual and your circumstances, and do not use your credit score. Our underwriting process is as follows, we start by requesting a few documents:
Secondly, we perform a credit search to review your financial history.
Once this has been completed, one of our underwriters will determine your affordability by reviewing your income and expenditure using your bank statements.
On completion of this we will be able to determine a monthly figure that is affordable to your individual circumstances.
Once approved for Car Finance you are passed back to your Sales consultant to arrange a Collection/Delivery date for your new vehicle.
If you have further questions, please see our FAQ page or feel free to contact us on 0330 3800 400
To apply for finance with The Car Loan Centre you must meet the following criteria: