A practical guide for drivers with missed payments, defaults, CCJs or a lower credit score.
A practical guide for drivers with missed payments, defaults, CCJs or a lower credit score. Personal Car Solutions helps customers take a finance-first approach, checking what may be suitable before choosing a specific car.
Before choosing a vehicle, think about your monthly budget, deposit, income and regular commitments. Lenders will consider affordability as well as credit history.
Different lenders consider different profiles. Previous credit issues do not always prevent an application, but they may affect lender choice, rate, deposit or vehicle criteria.
The vehicle should fit both your lifestyle and lender requirements. This is why a finance-first process can save time and avoid wasted applications.
You may be asked for proof of income, address history, driving licence, bank statements or employment details depending on the lender and your circumstances.
Yes. You can complete a quick enquiry and the team will contact you to discuss suitable options.
No. Approval is subject to status, affordability and lender criteria.
No. Personal Car Solutions uses a finance-first process so you can understand your budget before choosing a vehicle.
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