Yes2CarLoans was
started with the main goal in mind of helping the hugely growing adult
population throughout the UK who have some form of adverse credit
against them who are constantly finding it difficult to purchase a new
vehicle on finance, achieve there goal.
We have helped many people,
who had previously been turned down for finance; get the car they longed
to own.
We have over 15 years
experience within the finance market and we have specialised for the
last 4 years in this vehicle purchase niche
market place.
Most customers have previously
experienced the same attitude from the car dealerships the moment they
have difficulty gaining you finance, that attitude is one of almost
complete disregard, it makes you feel uncomfortable and the more often
this happens, the more you get discouraged from getting a newer car or
you accept second best.
Well don’t despair we are
completely different; we are here to help customers from start to end.
It would be true to say that
if we can’t find you the right finance package and the right car, then
know one can.
The process is simplicity in
its self:
Complete an application, (please be honest at this stage, don’t be
shy about any financial mishaps in the past) and confirm an
appointment date for you to visit a local dealership
We
will find a finance company that will be willing to approve your
application and let you know, usually within 48 hours
Go
along to your dealership (with all
the correct documents of course)
Test drive the vehicle of choice
Complete the paperwork
Drive away there and then or await for final preparation of the
vehicle and collect at a mutually convenient time
So if you have got or had
County Court Judgements, Defaults, IVA’s, ex Bankruptcy, Self Employed
with difficulty proving income, Benefits only etc, then we can help.
The criteria to qualify are
also simple:
A regular income, (single application
must be £650 minimum per month and a joint application must be £800
minimum per month, this can even all be made up of certain benefits)
Last 3 months payslips or proof of
income, (preferably computerised)
Last 3 months bank statements, even
if they show a minus amount it doesn’t matter, (some finance
packages do not require this)
Full UK, Provisional or Full EU
driving licence, (we do have finance packages for other foreign
nationality driving licences but at different rates and conditions)
Bank or credit/debit card
Passport, (some finance packages do
not require this)
Last 2 months recent utility bills in
the applicants name, single or joint, (these can be, gas, electric,
water, council tax, mortgage statement etc)
Some finance packages may
require further identification proofs but we will always inform you if
they are required.
Always remember that we are
here to help you get a newer car and as close to your perfect choice
as possible.
So to recap
Yes2CarLoans will always try to:
Find
you the right finance package
Offer
complete customer satisfaction always
Rates of course will vary depending on personal circumstances but
typically will range between 6.9% - 69.9% APR; however some cases may
be at higher rates although we will always try our hardest to match
the car to your budget as our ultimate priority. Most of the finance
packages are written for a period of between 12 and 60 months and some
of them have a clause that, if required, will allow the customer to
hand back or change the vehicle approximately half way through the
term without penalty. Please be aware, however, that any insurance
products attached to the finance package may require full repayment of
any outstanding balance if this option is taken. Early Settlement of
any finance package is allowed but there will be a cost involved so
please enter into any financial agreement carefully and only do so if
you are prepared to fulfil your legal obligations.
