Socialmotors > Average-fair credit rating

Car finance for Average-fair credit rating

Fair credit car finance

Do you have a fair credit rating? If yes, there is a very good chance you will be able to be approved for a car finance agreement. We have many options available for customers with fair credit, so finding the right car finance deal to suit your requirement is not going to be a problem.

Not only will we be able to find the right car finance deal for you, we will provide you with the lowest rate of interest available. We will make sure you receive the best rate available for your personal circumstances.

Average/Fair credit car finance criteria

When assessing your finance application for fair credit, the lender will need to see evidence of your monthly income, at Socialmotors we have options available for all different types of employment whether you are fully employed, part time, self employed, etc – we consider everybody!

We have thousands of vehicles to choose – from cars, bikes, vans, motorhomes and even horse boxes. We do not ask for a deposit although you are able to make a down payment if you like, we also accept part exchanges if you have no money for a deposit. – How it works

APPLY NOW

Application process

Make an application online

Apply now or call us, one of our experienced advisors will take some basic details for our lenders to review. If approved you will be offered a credit limit for your new car.

Choose your car

Once you have your credit limit, one of our advisors will assist you in choosing your new car from our showroom – we have over 1000 vehicles available in group stock, at this stage you will be able to discuss your needs and establish the car you want.

Documents and Delivery

We will now prepare your new car for delivery and get it to you usually within 48 hours, giving you a free 12 month comprehensive warranty & 12 months MOT. Once your car arrives, if your happy you sign your finance documents.

APPLY NOW

Application Criteria

Do you meet the hire purchase car finance application criteria?

To be eligable for car finance all you need is to…

Be aged 18 or over
Hold a full UK/EU driving licence
Be UK resident for 3 years
Have a Full time, part time job, be self-employed
Not bankrupt

Please note: if your income is 100% benefits you must be in receipt of a high rate benefit like DLA or PIP to apply for bad credit car finance.

Make an application

Visit our showroom

Car finance options

What our customers think…

Socialmotors

4.2

Scott Royle

20:54 22 Feb 19

Really happy with my car and great service car delivered by a really nice bloke and everything felt very personal

Gayle Eaton

12:33 01 Aug 17

Very good service very happy

kim summers

13:30 13 Jun 19

Received my new car yesterday..... delivered all the way to Hull..... the gentleman who delivered it was very polite.....A big shout to David for all the hard work and patience finding me a nice car...... I am absolutely thrilled with it........ I would thoroughly recommend this company to anyone, David was very friendly and was helpful through the whole process from beginning to end and would hesitate to recommend this company to my family and friends, thank you 😊

Mark Dean

20:20 03 Mar 21

I had bad credit through a divorce this company took the challenge and came up with the car I wanted at the price that was well in My budget.The agent Dave was more of a mate then advisor was gen down to earth and honest and did his best not just 9~5 good service would use again and reccomend to excellent

See All Reviews Write a review