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Does My Credit Score Matter?

Does My Credit Score Matter?
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Does My Credit Score Matter?

In brief, Yes. Your Credit Score matters as it helps us determine how you have managed loan repayment and other forms of credit in the past. Individuals with Good Credit Score will not have a problem getting credit (loan/finance) approved by lenders. However, some lenders (not just for car finance) might reject applicants with Poor Credit Score or individuals with a history of debts and defaults. Having Bad Credit Score will also result in larger monthly repayments due to an increased APR rates. With U Car Finance, you may find it easier to get an approval for your car finance than you would elsewhere; we have a panel of lenders that specialise in assisting those who are struggling to Get Car Finance with Bad Credit.

Ultimately if you have Good Credit Score, you are most likely to be accepted for credit. However, here at U Car Finance we can help you get the best deal for your car finance even if you have Bad Credit Score, we offer an array of finance deals that caters for individuals with less than Average Credit Score, we take into account all circumstances, whether you have good credit, bad credit, self-employed, unemployed or have no credit at all. We can help you get the most competitive rates for your Car Finance, relative to your personal circumstances from our carefully selected panel of lenders.

We have panel of lenders who specialise in less than average credit score car finance,  Lenders and dealers are often limited by the financial products they may have on offer, however with U Car Finance; we have 100’s of financial products to suit your car finance needs, especially those with a less than Average Credit Score.

How Can I Improve My Credit Score?

There are some ways in which you can improve your Credit Score. For example, making sure you are registered on the electoral roll at your current address, keep up to date with all your monthly payments and make sure your credit file information is correct and up to date. Avoid applying for a multitude of credits and loans, Keep all financial contracts – bank accounts, mobile contracts & credit cards – registered to your current address, stay within limits when using credit cards.

Use Our Finance Calculator to see what you could borrow today; our finance calculator can give an idea on your monthly repayments based on your credit rating. Or you can call 0330 445 5505 and talk to one of our friendly members of staff who will help you with any queries.

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U Car FInance
U Car Finance is one of the leading UK Car Finance Brokers, we are dedicated to giving our customers the best service as possible. We accept people who have been refused elsewhere, people with good credit, bad credit and people with no credit history at all.

Our Address

U Car Finance
208 Victoria Street (Ground Floor)
Oldham, OL9 0DA
United Kingdom

Opening Times
Mon-Fri: 9.00 am - 7.00 pm
Saturday: 9.00 am - 5.00 pm
Sunday: Closed

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Phone : 0330 223 4384
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