Car Finance In Billericay

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  • GMCF is a Broker and a Lender
  • Deposits from 0%
  • Employed, Self Employed or on Benefits
  • UK Car Finance Provider
  • REPRESENTATIVE APR 27.4%

Finding Car Finance in Billericay

Finding car finance in Billericay can be a daunting task. With so many lenders offering different rates, terms and conditions, it can be difficult to know where to start. Fortunately, there are a few tips that can help you make the right decision when it comes to car finance in Billericay.

Research Different Lenders

The best way to find the right car finance in Billericay is to research different lenders. Compare interest rates, terms and conditions, and other features such as repayment terms and repayment holidays. You should also consider the customer service of each lender, as this can make a big difference when it comes to finding the right car finance for you.

Check Your Credit Score

Your credit score is an important factor when it comes to car finance in Billericay. Lenders will use your credit score to determine whether or not you are eligible for car finance. Make sure that you check your credit score before applying for car finance, as this will give you an idea of what lenders are likely to offer you.

Shop Around

When it comes to car finance in Billericay, it pays to shop around. Different lenders will offer different rates, terms and conditions, so it's important to compare them. You should also consider the total cost of the car finance, including any additional fees or charges. This will help you find the best deal for your circumstances.

Consider Your Options

When looking for car finance in Billericay, it's important to consider all your options. You may be able to get a better deal from a bank or building society than from a car finance company. You may also be able to get a better deal by using a broker, who can compare different lenders and find the best deal for you.

Seek Professional Advice

Finally, it's always a good idea to seek professional advice when looking for car finance in Billericay. A financial advisor can help you understand the different options available and make sure that you find the right car finance for your needs. They can also help you understand the terms and conditions of the finance, so that you can make an informed decision.

Finding car finance in Billericay doesn't have to be a difficult task. By researching different lenders, checking your credit score, shopping around and seeking professional advice, you can find the right car finance for your needs. Good luck!



What to Do When You're Refused Car Finance in Billericay

If you're looking to buy a car in Billericay, you may find yourself in a tricky situation if you're refused car finance. It can be a stressful and confusing experience, so it's important to know what your options are.

The first thing to do is to understand why you were refused car finance. It's possible that you have a poor credit score or that you don't have enough money saved up for a deposit. You should also check your credit report to make sure there are no errors. Once you know the reason you were refused, you can take steps to improve your chances of being accepted.

If you have a poor credit score, you can work on improving it by making all your payments on time and paying off any existing debts. You can also save up for a larger deposit, as this will improve your chances of being accepted. It's also a good idea to shop around and compare different car finance deals to find the best one for you.

If you're still having trouble getting accepted, you may want to consider a guarantor loan. This is a type of loan where a friend or family member agrees to act as a guarantor, meaning they'll be responsible for making the payments if you can't. This can help to improve your chances of being accepted, as it shows the lender that you have someone else to back you up.

Finally, you could consider leasing or renting a car instead. This can be a more affordable option, as you won't have to make a large upfront payment. It's also a good way to get a car without having to take out a loan, as you'll only be paying for the use of the car rather than the full cost.

If you've been refused car finance in Billericay, don't despair. There are still plenty of options available to you, and if you take the time to research them, you should be able to find the right solution for you.

CHOOSE YOUR CAR FIRST

Choose one of our cars designed for poor credit customers below and then you will be asked to apply online

CHOOSE YOUR CAR

Choose a car designed for poor credit customers from our stock below.

APPLY FOR FINANCE

Apply with us for finance on this car and get approved

SIGN THE DOCUMENTS

 After approval sign the documents from the lender and you are done.

PICKUP OR DELIVERED

There’s no need to leave home to get your car. Just choose a convenient delivery slot, and it can be delivered to your door.

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Representative Example


Cash Price

£7500.00
Deposit

£0.00
Representative
APR

27.4%
Loan Term

48 Months
Total Charge For Credit

£4923.36
Total Amount Repayable

£12,423.26
48 Monthly Repayments

£258.82
  Arrangement Fee

£0

LOOKING OUT FOR YOU


"Responsible Lending" Pros and Cons of Borrowing Money


Financing a car is a big responsibility. In order for us to help you, you have to help yourself. We ask you to please look into the costs, financial terms, and options you have before making the decision to finance. Ask yourself if you know the following:

  • What will I be paying back? Remember to include interest and fees.
  • What is the Finance APR? The higher this is, the more you'll pay.
  • How long will I be repaying for? The longer the loan, the more you'll pay.
  • What is my credit rating? The higher it is, the lower the interest rate.
Ask yourself, given all of the above, can you afford the car you are looking at. If so, great! Apply for your finance now. If not, perhaps it time to reevaluate the car you are looking at.  We also have a whole heap of car finance related articles you can look through which can help you out if you have any questions.