Car Finance

What Credit supply you the car finance so you can buy from any reputable UK Dealership or Private Seller.

What Credit supplies a bespoke one stop car finance service that seeks to match the best car loan package to suit you.
When you have secured your online car loan acceptance you can take your time to shop around for the car of your choice, knowing that you have the car finance already arranged. We consider all types of situations for car credit.

So if you are looking for Car Finance, we can help you.

Here are some of our car financing details…

  • Low Rate Car Finance Packages
  • Fast Efficient Online Car Finance Application
  • Flexible Repayment Terms For Your Car Loan
  • Same Day Drive Away Car Loan Schemes
  • We Supply The Car Finance, You Choose The Car

Let What Credit help you obtain the Car Credit you need today !

We understand modern life and the stresses and strains of keeping your finances under control which is why we care about your future & not your past. Our underwriters look as every single car finance application differently, which is what makes us unique.We understand modern life and the stresses and strains of keeping your finances under control which is why we care about your future & not your past. Our underwriters look as every single car finance application differently, which is what makes us unique.We do not just decline an application because of previous credit problems, we look at the whole situation to make sure taking out finance is suitable to you and that you can afford your repayments without any problems & if you do find yourself in financial difficulties then we are on hand to help you throughout the whole process.

Things to consider

When you buy a car on finance, you commit to making regular monthly repayments. This means it’s important to work out what you can afford before you go ahead. People sometimes think you can just hand the car back if you can’t afford it. It’s not that simple.If you miss payments, you’ll hurt your credit score. This can make it harder for you to get finance of any sort in future. It’s down to you to insure and maintain the car. Make sure you allow for these costs, too.If you’re concerned about affordability, it’s a good idea to take independent financial advice.

About Car Finance

The total amount you pay back includes the cost of interest and any fees as well as the cost of the vehicle. The cost of interest and fees is given in what's called the APR (Annual Percentage Rate).As the APR is the only figure that includes all the costs involved, it's the number you need to look at when comparing deals. The lower the APR, the better.The longer the repayment period, the more you pay in total but the less you pay each month.The shorter the repayment period, the less you pay in total but the more you pay each month.You can cut both monthly repayment amounts and the total cost of interest by paying a bigger deposit. The better your credit rating, the lower the interest rates you’ll be offered.

HIRE PURCHASE (HP)

This is a very straightforward form of car finance. You choose the car; the finance company pays the dealer. You then make monthly payments to the finance company until you have paid the total amount owed. At the end of the repayment period, you take ownership of the car, it's that simple.

Falling behind with your Car Finance repayments

If you fall behind with payments, the finance company can take the car back. They will sell it and use the money to repay your debt. If they don’t get enough, you will have to pay the difference plus any court costs.
If you have paid (or can pay) 50% of the total owed, you can choose to give the car back. You will have to pay for any missed instalments due up to the time you end the agreement. You may also find it harder to get credit after.

Hire purchase is the most popular way or buying a car on finance and many people choose because of the following reasons:

  • Fixed Monthly Payments
  • Terms between 12 months & 60 months depending on your budget
  • Nil Deposit or a small deposit required