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. 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.

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 a 95% 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. 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 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 our 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 scan and email, fax or post the form back to us along with supporting information, typically:

Copy of your UK driving licence (including the paper counterpart if a new style)
Copy of your UK Passport
Copy of a recent utility bill at your current address (dated in the last 3 months)
Your last 2 months bank statements
Copy of tenancy agreement if applicable (just the sheets that show names and 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.

Would you like to fill out our enquiry form ? Or alternatively you download the application form and print out complete and send back with supporting documentation