Q Can I get vehicle finance even with a Bad Credit Rating?
YES you can. We are specialists in providing vehicle finance for people who have had previous problems
obtaining credit. As long as you are not currently bankrupt, having a poor credit rating does not prevent
you from getting a vehicle finance loan with us, even if you've been refused before. We have plans to
suit all applicants regardless of their past credit history and situation.
Q Do I have to pay any fees or charges for the service you provide?
No, the service we provide is completely FREE, regardless of whether you call us or apply on-line.
Q How long will it take to get a decision on my application?
We aim to process all applications within the hour, although of course occasionally it can take a little
while longer. For the majority of cases we are able to advise you of the decision shortly after you apply.
Q How do I apply for vehicle finance?
Simple, it couldn't be easier; you can either apply quickly and securely on-line or, if you prefer call
and speak with one of our friendly personal advisors who will be only too happy to help, either way it
couldn't be easier, the application shouldn't take more than a minute or so to complete too.
Q Will I be visited by a rep?
NO. All our finance agreements are arranged speedily via post, email, and fax. The process is simple
enough; we have no desire to complicate it by using reps.
Q What if I'm retired or self-employed?
We can help! Because we're specialists within the vehicle finance business, we concentrate our efforts
in removing barriers, making it easier for everyone to apply for vehicle finance, whatever their circumstances.
Q What will the finance be secured on?
The finance is secured solely on the vehicle you purchase.
Q Is my loan application confidential?
YES it is. We take pride in our confidentiality agreements. We are registered under the Data Protection
Act (DPA) and adhere strictly to their confidentiality guidelines. (Please refer to our privacy policy
contained within the terms and conditions, for further details on how we process your information).
Q What will my loan repayments be?
That depends of course on how much you wish to borrow and what period you wish to repay it over. We will
tailor your loan with you to ensure your repayments suit your budget. We do not encourage people to borrow
more than they can comfortably afford to repay.
Q Do you sell vehicles?
No, absolutely not. We only provide the finance for you to buy the vehicle; we're experts within our field
and focus our energy on ensuring we get the best possible finance deal for you. In our opinion, we believe
YOU are the best person to choose the vehicle YOU WANT from the dealer of YOUR CHOICE, at Urban Credit we
believe in putting you in complete control.
Q Can you help me find a vehicle?
Yes, we are more than happy to help you find the vehicle you require FREE of charge, just call us with the
vehicle details and we'll search our extensive database of approved vehicle dealers on your behalf.
Q Who receives payment for the vehicle?
Payment is made directly to the dealer. That way you don't have to get involved in any unnecessary extra work.
Q Can I repay the loan before the stated period?
YES you can. If you do so, you will benefit from 'rebate of interest`. This basically means you will not have
to pay all the interest that would have been due if the loan was to run for the full term, so ultimately the
total cost of your loan will be less.
Q How much can I borrow?
Your Credit Limit will be set taking into account a number of factors such as; your credit history and income.
We find for the majority of our customers we're able to obtain the credit limit they request.
Q Can my repayments be covered by insurance?
Yes they can. In the event you were unable to make repayments due to redundancy, sickness, or even an accident
at work, your repayments (subject to certain exclusions and terms) will be made for you directly by the insurer.
The majority of our customers opt for this valuable cover. All the finance plans we offer are available with
optional Payment Protection Insurance for your peace of mind.
Q What is GAP Insurance?
GAP Insurance is a vehicle protection plan that fills the financial gap often left when motor insurance pay-outs
are lower than expected. GAP Insurance is not a replacement for your motor insurance policy, but a valuable
supplement that protects you against serious financial loss if your car is stolen or written off. All the
finance plans we offer are available with optional GAP Insurance for your peace of mind.
Q Why should I choose Urban Credit?
We guarantee a standard of service we believe no-one else can match.
On receipt of your application a Customer Support Advisor will be assigned to you. Ensuring you'll always be
able to speak with someone who is knowledgeable, friendly, and dedicated to getting you the best finance deal
as quickly as possible and with the minimum of fuss.
Getting a great deal on vehicle finance has never been easier; take a look at just some of the benefits of
financing your next vehicle with Urban Credit:
- NO FEES. The excellent service we provide to you is completely FREE.
- We have plans to suit everybody - even if you have been refused before.
- All our finance products are arranged through Major Banks or Finance Companies.
- We offer a FIXED RATE PROMISE on all our finance options, giving you peace of mind.
- YOU CHOOSE the vehicle YOU want from the Dealer of YOUR CHOICE.
- We can finance vehicles from as little as £2,000 to £50,000 (subject to status and income)
- Low Deposit and No Deposit Plans Available (subject to status)
- Optional Gap and Payment Protection Insurance available on all our finance options.
- Repayments over 1 to 5 years (depending on the age of the vehicle)
- We treat all enquiries and applications confidentially on a 'NO OBLIGATION' basis.
- As an independent company we are not tied to any one lender; we're able to search through a wide range of loans available to us, so that we can offer you the very best loan to suit your circumstances, and at the LOWEST possible RATE.
Complete our quick, online, car finance application or, if you prefer call us with your details,
either way it couldn't be easier!
We'll process your car finance application immediately, we aim to confirm your decision and car
finance credit limit within the hour
CHOOSE the car YOU want from the dealer of YOUR CHOICE, save time and avoid any unnecessary,
embarrassing questions, arrive at YOUR dealer
PRE-APPROVED, safe in the knowledge your great car finance loan has already been agreed
Please feel free to call us on 0845 838 2114 or, if you prefer email us at
info@urbancredit.co.uk
| Mon to Fri | 9am until 6pm |
| Saturday | 10am until 4pm |
