Frequently Asked Questions – Quote Me Car Credit

Frequently Asked Questions

If you don’t find your answer, you can always contact us

Are there any upfront fees?
No, here at Quote Me Car Credit we believe that you should not pay any up-front fees.

I have bad credit. Can you still help me?
Yes! Through our relationship with specialist sub-prime finance companies, we are able to offer people without a perfect credit history a competitive package on your car loan.

I have CCJ’s. Can I still get finance?
Yes, we have finance companies sympathetic to people who may have found them in financial problems due to unforeseen circumstances for example divorce redundancy etc.

I am on debt management. Can I still get finance?
The answer is It depends. Customers who are on a debt management plan may be able to obtain car finance. The level of the debts you have incorporated into your plan, as well as how long you have been in it and how well you are managing your arrangements all determine whether or not you can obtain car finance. If you are unsure whether to apply or not, complete our 60 second application and we will contact you to discuss how to proceed.

I’m in the Armed Forces. Can you help me?
Yes! We deal with companies that are able to provide you with finance, even if you have an Armed Forces address. Many finance dealers will overlook you because of your address history, but we understand your circumstances and are happy to help. Please complete the 60 seconds application and we will be in contact with you ASAP.

How much can I borrow?
This will depend on several things; your credit history, income etc. Once accepted our friendly advisor will confirm the amount borrowed, monthly payment and term.

How long will I have to wait to get an answer?
We endeavour to have an answer back to you within 1 working day.

I am on Benefits. Can I apply for car finance?
Yes we have lenders who accept customers who are in receipt of DLA or PIP.

Will the car be serviced or MOT’d?
Yes all cars will be serviced, 12m MOT and valeted before collection.

What is your APR?
This is down to the individual credit score. An advisor will discuss this with you once excepted.

Do I have to purchase a Quote Me Car Credit car?
No some lenders will allow you to purchase elsewhere but an advisor will need to discuss their T&C’s.

Will I be credit checked?
Quote Me Car Credit act as an independent intermediary and use a panel of lenders to try and establish a suitable credit line. The number of searches placed on your credit file will be dependent on the answers received from the panel of lenders. The information you have provided will be passed by the Finance Companies to Credit Reference Agencies (CRA’s) and a record of any search will be placed on your credit history file, please note that the number of searches placed on your credit history file may have a detrimental effect on obtaining credit. If an application is unsuccessful with a Finance Company then the reason for decline along with contact details of the relevant CRA’s will be provided. By applying you agree to these conditions.

Heard Enough?