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At Volo car finance we understand that people may have had a few credit hiccups in their lifetime. We try out best to supply you with the most affordable car finance we can, given the circumstances. Several things can make getting Finance difficult, whether you’ve had a CCJ, payment defaults, may have been refused credit elsewhere or even have no credit at all; we will search through our 90+ panel of lenders to try and find the best deal for you.
Your credit worthiness is calculated by credit reference agencies, and they collect all the data from lenders you apply for loans or other types of credit through. If you struggle to make payments and eventually slip with repaying your credit, the lender will convey this back to the reference agencies and a mark will be made on your credit file as bad credit, which is what lenders look at to see if you’re their preferred type of customer. These marks are what lead to bad credit.
Another factorwhich can cause bad credit could be a high amount of credit searches on your personal file in a smallperiod. Every time you apply to a lender for credit, your file is then marked with a search. If you apply to multiple places in a short space of time, it could be thought that you're credit hungry and lenders will be less likely to accept.
At Volo Car Finance, we aim to help you to find car finance that suits your individual cirumstances. Our advisors are friendly and approachable, and we understand that everybody's credit rating is different. Rates offered are dependent upon your credit history.
To help protect you, we also offer optional warranties and GAP insurance. If you're interested, please ask your customer service specialist.
Borrowing £7,500 over 4 years with a representative APR of 9.9%, an annual interest rate of 9.9% (Fixed) and a deposit of £0.00, the amount payable would be £188.34 per month, with a total cost of credit of £1,540.43 and a total amount payable of £9,040.43
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Based on a fair credit borrowing £7,500 on a hire purchase agreement over 48 months, a representative APR of 18.5% and a deposit of £0.00, the amount repayable would be £216.89 a month, with a total cost of credit of £2910.72 and a total amount payable of £10410.72.
Rates may differ as they are dependent on individual circumstances. Subject to status.
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