Helping Everyone Buy a Used Car
At Credit Expert, we are all about helping everyone buy a used car. Regardless of your background or credit history, we are here to give as many people as possible the opportunity to get into the car they need or want.
Of course, we need to be sure that a lending decision is right for you and us.
In short, subject to affordability and underwriting criteria, we aim to help everyone and anyone buy a used car through a dealer with finance provided by our lending partners.
As a business that specialises in helping people with poor or no credit history. This includes:
- People with previous County Court Judgments (CCJs)
- People with a poor credit profile, These may have happened due to credit issues caused by life events such as job loss or marital or relationship breakdowns
- People with no credit history, such as those who have recently moved to the UK, often face challenges.
- People on a low income who have struggled to get credit elsewhere
This is not an exhaustive list, but we hope it indicates the types of people we help, and we do so by working harder to help them.
Helping Everyone Buy a Used Car – Our Approach
We rely on old-fashioned interviews to work with each applicant to understand them and their circumstances.
We aim to build confidence in each individual’s ability and desire to sustain a long-term finance agreement We then agree on a monthly payment that applicants can manage and afford without risking over-committing.
Our panel of responsible lenders cannot help every applicant. However, where possible, our ethical and sensible approach helps many applicants secure the car they need with a monthly payment that everyone can feel confident is affordable.