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How it worksAs we have said, it’s your future that is more important to 1st Stop Car Finance - having all learned our lessons from your past. Please either complete the online application form or telephone one of our advisors.Step One We will take a Hire Purchase application and ask some simple questions regarding your income and expenses. We will also ask you about your credit history and why you have had issues in the past. Step Two We will then complete a credit search and look at your credit history. Provided that this broadly tallies with the application we will then review your application to grant you an amount you can borrow. Step Three Approval or not. As we have said, we accept customers with an impaired credit history. We are looking for genuine people who now want to improve their credit rating – if that’s you we will grant an amount that we feel you can afford. We will decline applications if we feel we feel it would not be in your best interests. Step Four Go choose a car! We can only deal with reputable car dealers and they must have a CCL (Consumer Credit License). Almost all reputable car dealers have a CCL. Step Five Put the car dealer in contact with us and we will arrange all the necessary paperwork and ask that the dealer fully explains the contract to you before signing. We will also fully explain the contract prior to paying the garage for the car to ensure all documentation is correct and that you fully understand the commitment you are entering. Step Six Happy motoring! |
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