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Low Rate Car Finance

Low Rate Car Finance
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Low Rate Car Finance

U Car Finance is one of the leading online UK Car Finance Brokers; we are dedicated to giving our customers the best service as possible. Here at U Car Finance, we understand getting car finance can be a daunting prospect, we at U Car Finance are here to make the whole process simple and hassle-free. Using our three-step process and you can be approved for car finance within minutes. Our aim is to help you secure low rate vehicle finance. We aim to get you the most competitive rates for your car finance, relative to your personal circumstances from our carefully selected panel of lenders. We welcome individuals with Good Credit, Bad Credit, Poor Credit or no Credit at all; we consider all our applicants on an individual case by case basis, this way we can take all small personal factors into consideration when making a decision.

How Can I Get The Best Rates?

The interest you pay on finance is determined by three factors: the overall amount you borrow, the duration of the time you borrow for and your overall credit score. For example, the total cost of Interest on £10,000 borrowed over 24 months period with an excellent credit rating will be lower than an individual borrowing £10,000 over 24 months period with bad credit score. Our Finance Calculator can give an idea on the monthly payments based on your credit rating; it presents how much you’d repay month-by-month, the total sum of Interest applicable, and an overall price of the finance as well as a brief description of whatever credit rating you input.

Credit Score?

Banks and lenders look at an individual’s Credit Score when it comes to lending to purchase a vehicle or borrow in general. Credit rating usually indicates how reputable you are when it comes to repaying loans and finance. Banks and lenders do this by looking at history and the behavior and patterns when it comes to making repayments e.g. if payments are made on time, if any payments are missed, if there is a steady flow of income and how likely it is to make the repayments on the loan/finance etc. By calculating these factors, banks and lenders are able to calculate their exposure factor, and based on the exposure factor; they are able to predetermine if an individual would make the repayment on time or is unlikely to make the repayments at all, this allows banks and lenders to charge a predetermined interest rate.

Improving Your Credit Score To Get The Best Rates

The higher Your Credit Score is, the lower the interest rate (ROI) is going to be on your finance agreement. However, if you have bad credit score, you can improve your credit score rating by doing the following:

  • Taking out small forms of credit and make easy, affordable repayments (like a credit card).
  • Making a payment on time.
  • Registering to vote if you haven not already.
  • Staying within the set limit on any credit account (credit cards).
  • Avoid applying for too many financial products and services.

If you follow the plan, you should see a subsequent rise in your credit score, which in turn may entitle you to lower rates of interest in the near future. We still offer excellent rates on 100’s of financial products as well as other methods of finance such as a Guarantor Loan.

Here at U Car Finance, we have we have over 100 of financial products to suit your car finance needs. Our aim is to help you secure low rate vehicle finance. We aim to get you the most competitive rates for your Car Finance, relative to your personal circumstances from our carefully selected panel of lenders. Use our finance calculator to see what you could borrow today; our finance calculator can give an idea on the monthly payments based on your credit rating.

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

Our Contact Infomation

Contact us if you have any questions.

Click Here For Contact Form
Phone : 0330 223 4384
Email : info@ucarfinance.co.uk

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