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car finance

Car Finance Help Guides

Take a look at our latest car related guides, many of the most popular questions we receive from our customers are here answered.

Cutting Car Finance Costs
if you're struggling to meet your car finance payments, or want to cut costs, you can exit the agreement early or return the car. However, there are some conditions and fee's attached. Make sure you don't rush into any decisions before you know the conditions. Should you end your finance deal early? There are a few reasons why you may want to end your car finance deal early. Firstly, you're struggling to meet the repayments each month, this could be due to a change in financial circumstances, Secondly, if you want to reduce costs, you could end the car finance agreement and look at getting a..
22/09/2020 10:33:33
How to Get Car Finance with Bad Credit.
1.   Identify and fix problems with your credit report Make sure you have your full credit history, by doing this you can re-evaluate how you handle your money and if you need to do anything to improve it and manage your money better. You have to make sure that there’s no mistakes in your credit profile and make sure that’s it’s up to date. Start paying off your curren..
27/08/2020 13:31:37
Our Top 5 Budgeting Apps
Take a look at the TOP 5 Apps for helping you budget your monthly money.   1. Money Dashboard Free, iOS & Android The king of budgeting apps, Money Dashboard gives you a fantastic overview of your finances. Once you’ve hooked it up to all your accounts, it puts all the info in one place so you can see what’s coming in and going out. You can categorise spending and vie..
26/08/2020 17:46:20
Steps to Becoming Debt Free
1. List your debts In order to become debt free, you need to take a stock list of your debts. This means confirming the balances of all your over drafts, credit cards and loans, and then find out the amount of interest you’re being charged on each.   2. Budgeting Use a spread sheet to itemise how much you spend a month. This will help you budget more effectively and easier. Take a..
26/08/2020 17:46:54
Things to Know About Used Car Leasing
  Monthly payments may be lower With a leased car, the amount you pay monthly goes off the expected depreciation of the car , so obviously with a used car, it will be lowered because the vehicle loses value. Therefore you’ll pay less each month. However it also depends on which car you want, some cars will be more expensive than others so make sure you budget efficiently.   Sho..
26/08/2020 13:20:14
What Is Car Leasing
What is Car Leasing A car leasing is a long term rental of a new car from the leasing company. You have to pay a deposit, then a set amount each month in order to keep leasing  the car.   1.       How does it work? To start with you’ll need to pass a credit check, but your monthly repayments are still your own responsibility. There may also be an a..
26/08/2020 13:20:21
More Information About Car Finance
More About Car finance 1.      What is Car finance? Car finance refers to the various financial aids which allow someone to acquire a car, including car loans and leases.   2.       Personal loan To help you get a car you can take out a loan, and pay a set amount back each month. You have to pay interest on a loan and you will have to pay a fe..
26/08/2020 13:20:31
Poor Credit Car Finance - Can I Get Accepted
Being told that you have been declined for anything because you have poor credit is probably one of the worst feelings ever.  We have written this "Poor Credit Car Finance - How to Get Accepted" guide because after speaking to literally thousands of clients every year about finance we realise that most customers are going around and around applying with every car finance broker they can find ..
26/08/2020 13:20:38
Can I Get Car Finance Near Me
Whilst Get Me Car Finance service its customers on a UK wide basis, (we talk to dealers from around the country) , some customers like to deal wht companies that are more local to them. We think what they mean is a car dealer which is near them. Be assured that Get Me Car Finance can offer car finance and work with dealers which are in your area. Take a look at your local dealer cars and we can w..
26/08/2020 13:20:46
Can I Get Car Finance with No Deposit
Getting a car on finance with no deposit is a fantasic way of buying a new car. Many funders out there will offer customers the chance to purchase a car on finance and not pay any deposit towards it. This is an attractive deal for the customer as they dont have to delve into their savings to get their brand new car.  Dont get too excited though if you have really poor credit some funders will..
26/08/2020 13:20:55
Bad Credit Car Leasing
Bad Credit Car Leasing is a product which is becoming more and more of an option for customers who have been flatly refused for HP car finance and PCP car finance. For some companies the fact people have had a small or large credit blip in some circumstances makes getting car finance harder and harder, and the lower your credit score goes the more and more you will pay in interest, until that poin..
26/08/2020 10:20:28
Car Finance 2020
The car finance industry has changed lots since Get Me Car Finance started 14 years ago, there are now thousands of online car finance brokers around the place offering what appears to be the moon for your application. Truth is that yes there are a few more funders our there, however the best car finance deals out there are for people who have a superb credit history. Lots and lots of websites yo..
26/08/2020 13:21:03
Cars on Finance for Bad Credit
Imagine having thousands of cars thrown at you, pages and pages of user or new cars on finance and NOT being able to drive one away. Bad credit affects thousands of us each week when trying to get a fantastic deal on a new car. That £199 deal we could have had is ripped up because we missed a few payments on a previous loan or on a credit card, mobile phone or store account. These things a..
26/08/2020 13:21:12
Loans for Poor Credit No Guarantor Clients
One of the most embarassing things about applying for credit is being declined, that feeling of What, Why and How have i been declined goes through your head, wondering if it was because i missed a payment on my gas, or mortgage? Really there are lots and lots of people in the UK who miss payments, its not the main reason why they declined for finance thoiugh, multiple missed payments on credit a..
26/08/2020 13:21:21
Bad Credit Car Finance Calculator
Are you looking for a bad credit car finance calculator, many people looking for car finance find out that thier credit record isnt upto scratch and end up getting refused car finance at the car dealer.  Coming away slightly embarrassed the only option is to get on google and do a quick search "bad credit car finance" , after finding 2000 car finance brokers who are offering rates from 6% up..
26/08/2020 13:21:30
Pay Weekly Car Finance
Are you looking to Pay for Your car weekly, Get Me Finance offer Pay Weekly Cars packages which allows you to pay your car finance on a weekely basis rather than on a monthly basis. Whilst most lenders offer a pay monthly option, GMCF can offer a package which allows you you to pay weekly.   If you are interested in a a "pay weekly" package please contact us or apply online for more d..
26/08/2020 13:21:39
Bad Credit Car Finance
Getting Car Finance with Bad Credit is likely to give you several headaches, and also could be some pretty embarrassing situations. Imagine being told you cant get the car of your dreams whilst you are sat in the car dealership because you forgot to pay your phone bill or your credit card on time last month. Well thats what happens to hundreds if not thousands of people in the UK. Its not surprisi..
26/08/2020 13:21:48
Car Finance Deals
Getting a Great Car Finance Deal Getting a car finance deal with bad credit seems to be an increasing worry for many people not only in the United Kingdom but across the globe. There are several reasons for this rather unfortunate development with people finding themselves with a not too good credit rating for a plethora of reasons in today’s world of finance and easy accessibility to ..
12/11/2018 16:18:17
Payg Pay as You Go Car Finance
PAYG (Pay as You Go) Car Finance is becoming more and more of an option for clients who have poor credit. If you have ever been denied car finance, then you probably know how frustrating this can be. Thankfully, there are quite a number of lending institutions that focus on providing financing car loans to people that have bad credit or are have had financial challenges in the past that could aff..
06/11/2018 15:28:41
Guaranteed Car Finance for Bad Credit
Another Frequently asked question over here at getmefinance, many people are searching the internet looking for the golden ticket when it comes to car finance. And the Term "Guaranteed Car Finance For Bad Credit" is searched over 1000 times every month by customers who are in the unfortunate position of having bad credit and they are looking to either get a new car or upgrade their existing one. ..
27/08/2018 10:53:10
How to Have A Healthy Relationship with Money
  Dealing with money is an inescapable fact of life. It is imperative that you take hold of your financial future by learning all there is to know about money. The tips in this article will help you manage your finances better.   Once you take out tax income and expenses you should be met with your current budget. Do not forget about alternative sources of income, and remember to set ..
23/08/2018 12:24:18
Black Box Car Finance
While car finance or even taking any form of debt might be desirable by anyone, the decision by many people to pay for a car or credit is quite understandable. Purchasing a car is such a big investment that can be a bit difficult to undertake outright. Therefore, car finance looks to be the best possible option for persons that cannot afford to purchase in cash but need a car for their daily activ..
11/08/2018 11:06:34
Do You Offer Guaranteed Car Finance
Different people across the globe tend to need financial aid at one point or the other. The need for financial aid seems to be on the rise with people looking to meet their financial obligations while ensuring comfort and enjoying some luxury of life. One of the very expensive assets anyone can think of acquiring is a car. Due to the cost of acquiring such an asset, car finance seems to be the bes..
06/11/2018 15:01:08
Why Cant I Get Car Finance?
One of the most dreaded statement when applying for a loan is “you do not qualify for a car loan.” These words can be so devastating and often lead to you asking yourself several questions. However, it is worth noting that the reasons why you might be finding it difficult to get car finance are neither hard-to-uncover nor cryptic, as they are usually easy to explain. If you are having ..
11/08/2018 11:04:35
Getting Car Finance with Poor Credit
Getting car finance with a very poor credit rating can be frustrating and difficult, to say the least. However, this does not take away the fact that people with bad credit can get car financing if the process is well-planned and implemented. It is usually advised that you prepare and educate yourself about your credit score and history for now and the future. You also want to know the different a..
11/08/2018 10:40:53
How to Get Car Finance when You Have Bad Credit?
Well as you probably guessed this is one of the main question a company like get me car finance regularly get asked. The answer is definitely not to apply 10 times around the internet to find one company who will accept you. You may not realise this now, but most Car Finance companies use the same lender networks to place clients and get them car finance. Soooooooo you wont be surprised to learn ..
08/08/2018 19:41:06
Bad Credit Car Leasing
After the recent recession many many people have a bad credit record. And when it comes to buying a new car, this record can affect you when you are at the car dealers choosing a car. Thats why Get Me Car Finance have introduced "Bad Credit Car Leasing" , we understand that there are literally 1000's of people who are looking for car finance who can actually afford to pay the monthly payments, ho..
14/06/2018 08:41:13
Car Finance on Benefits
Many people come to Get Me Car Finance worried that because they are on benefits thats they cant get a car. FCA state that "A firm whose business model is predicated on selling products to customers who can’t afford to repay them is not acceptable, nor is it a sustainable long-term strategy." So come to us and prove you can afford car finance and we can ensure you get the best offer for your..
13/06/2018 13:19:38
Bad Credit Car Finance - Pay and Drive
You would be surprised how many people in the UK are refused car finance, with all the disruption thats been happening with the banks and mortgages over the past ten years people with debt, and people who have struggled with debt have suffered badly. So getting a car when you have bad credit is gonna be difficult, most brokers and lenders wont admit that a huge amount of their applicants get reje..
26/05/2018 10:08:17
Refused Car Lease
Question: I was just recently declined for a car lease which was to my surprise, the finance lender in question I was told used Experian to judge whether to accept me or not so I had a look at my score and it was in the fair catergory with 844. 40 odd shy of good which is what the finance company would have wanted.ANSWER Being refused anything these days is very frustrating and being refused car..
26/05/2018 09:32:46
Refused Car Finance
Have you been refused car finance everywhere? Dont worry its no a uncommon thing, lots and lots of people dont qualify for A1 credit rates as they have had a blip on their credit record. The thing to do is not panic, but check your credit record for anything strange, and ensure you are paying your bills on time and you are on the electoral roll. Get Me Car Finance are a car finance broker and al..
10/09/2020 11:25:33
Guaranteed Car Finance
Guaranteed car finance is a term we hear quite a lot at Get Me Car Finance, it is an unusual term really as nobody really can guarantee anything with car finance. If you cannot afford car finance then realistically you wont get car finance. However Guaranteed Car Finance is possible if your payments are Guaranteed by a Guarantor. Now that is totally different. Having a Guarantor on board allows y..
17/01/2018 10:19:00
Dent Removal - Dent Master
Removing Dents from your car Has your car got a dent that needs removing by a dent master technician. Many villages and towns around the UK have PDR technicians which can help you get rid of those horrible dents and literally put back hundreds if not thousands of pounds back onto the value of your car. Dent Removal 247 has a directory of dent technicians spread around the country. Use their quic..
29/12/2017 23:24:23
Getting the Best Used Car Finance
If you are looking for a used car finance deal, the internet is where you want to be. With the flood of information on the internet, it is even more important to carefully scout for such deals with specialist motoring websites. Such sites due to their expertise and knowledge of the market are able to get the best deals for you, finding reliable and suitable lenders that otherwise would have been u..
16/03/2019 10:10:07
Choosing the Right Car Finance Deals
Car financing can be sometimes difficult and with research showing that most car owners decide on how to pay for their car before paying a visit to a forecourt, it is important to appropriately address the issue of car financing and more importantly, car finance deals. Some of the reasons identified for not going through the normal procedure for choosing a car finance deal include high interest ra..
16/03/2019 10:08:42
Top Five Things Stolen from Cars
The stats portraying the incidence of car crimes over the past decade reveals a great reduction in the phenomenon, dropping by as much as 80 percent. Despite this appealing stats, it is important to note that over eight hundred thousand car related crimes were recorded in the year ending June 2015. It is, therefore, important that you take the safety and security of your car seriously and one of..
10/11/2016 16:22:31
New V5c Logbook Rules: Full Guide for Car Buyers and Sellers
The V5C system has through tremendous changes over time and buyer, and sellers need to have an understanding of these changes. One of such changes is the introduction of a website registration process available for car sellers to dealers or private buyers. This is in a bid to reduce the time, cost and hassles involved in the process.  The introduction means sellers no longer have to po..
10/11/2016 16:20:44
How to Buy or Transfer a Personalised Number Plate
Personalised number plates have been described using different adjectives, and while some people have seen it as just vanity, others treasure it and would do almost anything to have one.  We often have a close and personal relationship with our cars and while some can afford to customise their cars, the best others can go to personalise their number p..
10/11/2016 16:36:55
Driving Abroad: What Do You Need to Know?
Travelling and driving abroad can be fun if you stay out of trouble. Unfortunately, not too many people know what it takes to avoid trouble when they drive abroad. Below is a guide that explains what it takes to drive abroad without getting into trouble with the law of your host country.  Driving in Europe and EU countries  It is important to do your research before venturing..
10/11/2016 16:18:44
Car Scratch Repair: A Complete Guide
Minor car damages are almost inevitable, regardless of how careful or smart the driver is. Scratches from tree branches, car park scrapes and stone chips can, however, be repaired effectively with the right car scratch repair kit.  Car scratches can be sometimes expensive to repair if you take the option of a professional car repair garage or even when you decide to sell the car, espec..
10/11/2016 16:15:57
Car Recalls: Should I Worry?
Manufacturer’s recalls are not always the best things car owners want to hear. Unfortunately, when issues that could affect the safety of the car owners and other road users are identified, affected cars need to be recalled by the manufacturers.   What is a car recall?  A recall notice is issued by a car maker when it identifies a major problem with a particular ca..
10/11/2016 16:14:39
Eight Things You Should Be Doing to Keep Your Car Safe and Legal
Most people are guilty of not checking the roadworthiness of their vehicles especially when it comes to checking if the rear indicator lights and brake lights are in good working condition. This can be very dangerous, making the difference between life and death.   MOT  Many car owners will wonder what the MOT is meant for if they still have to check for such things as t..
10/11/2016 16:12:53
Getting Car Finance and on Benefits
Can i get car finance if I am on Benefits?One of the most asked questions at Get Me Car Finance is can i get car finance if i receive benefits. The simple answer is YES. If the applicant can be shown to afford car finance then who are we to stop them having a car. Well, there is an element of risk to any finance agreement, but we find that people who receive benefits pay their monthly payments ju..
25/08/2020 10:54:38
7 Secrets a Car Dealer Won't Tell You
Getting into a car dealership is not what it used to be as the internet has come to ease the process especially on the part of the buyers as they do not have to withstand the pressure coming from sales and marketing staff of dealerships. It is however worth noting that while car dealerships cannot necessarily force sales down the throat of prospective car owners, there are some things everyone sho..
12/10/2016 14:36:45
Debt, Investment, Car Insurance and Savings
  Debt The stats showing the percentage of people especially young people in debts indicates that over one-third of them owe almost £3,000, and have great concerns about money. A survey carried out by YouGov for the Monet Advice Trust on over two thousand people between the ages of 18 and 24 showed that they young people borrowed with the use of credit cards, loans from friends and r..
02/09/2016 12:10:26
Car Finance No Guarantor
If you car looking for car finance and you have no guarantor life can be quite difficult if you have a poor credit history. However GetMeCarFinance can definitely help people who are in this situation. Many people dont have a friend or parents who can act as a guarantor when it comes to car finance , there maybe several reasons why they either wont act for you, but the main one is risk. GMCF ..
24/01/2019 15:43:01
Yes Car Credit
Here at Get Me Car Finance, we like saying " yes to car credit " Through our hassle-free service, securing vehicle finance has never been so easy. You could have a decision on your loan application in minutes & purchase your vehicle from any dealer! Irrespective of your financial situation, you can apply for yes-car-credit. In case you have a superb credit score, we try to beat the rates that ..
24/04/2016 11:36:23
Car Finance: Important Things to Remember
  Your credit score   As with many financial products, your credit score can decide how much interest rate you will be charged for car finances and also how much cash you're offered on credit. Understanding your credit score prior to applying for a finance can offer you an estimation of how much you're likely to be offered & also this allows you to shop with better knowledge. &nb..
24/04/2016 11:35:31
Understanding the Eligibility Criteria for Car Finances
Eligibility for car finances can vary depending upon the lender or the company however all drivers need to be able to locate an appropriate offer for their situation. While poor credit ratings might have been a restriction previously, most lenders identify the tough financial circumstances of their consumers and hence they offer products to persons with all kinds of financial situation.   O..
24/04/2016 11:34:58
Bad Credit Car Loans
If you’re searching for car loan, however, have a bad credit history, the good thing is, we offer services for people who have formerly been refused.   Irrespective of what your financial condition is, we will assist you even if you had loan problems, CCJ’s or similar payment defaults previously. Possibly you’re self-employed or perhaps you have no credit pass at all?..
16/03/2019 10:08:23
Bad Credit Vehicle Finance
Do not worry! This should not be an issue – we’re helpful to individuals who need bad credit vehicle loan. We can offer car loans irrespective of your previous credit score. Whether you have had mortgage arrears, CCCJ’s or similar payment defaults, if you are self-employed or even in case you have no history of any credit at all, we don’t consider this as suitable reasons f..
24/04/2016 11:33:23
Loan Packages Worth Almost £16.2b Taken Out By the British Drivers
80 per cent of new cars are now purchased using finance of some kind, although industry insiders are warning that those who want to buy used vehicles should be aware of the fact that a growing number of second-hand cars may be linked with unpaid debt.   During the previous year, there was a 10% rise in the amount of finance packages that were taken out by vehicle buyers that went hand-in-ha..
24/04/2016 11:33:00
Advantages of Car Finance
  Feasibility   For people who are trying to purchase a new car, the budget which they need to spend will most often be the initial thing they take into account. While it is crucial to set a limit in regards to how you spend when purchasing a car, using only the cash which you have to hand might leave you with a very restricted choice.   The feasibility of car finance lies in t..
24/04/2016 11:32:38
Stay Away from Scam Finance Companies
It is a sad fact of our life that there will always be individuals who'll try to rip-off others. Hence, it has become very crucial for you to stay safe on the web and understand how to spot scam finance companies.   See if the company is regulated by FSA prior to applying for the loan. This means that they have a practice code which they must stick to, & that they are trustworthy compan..
29/12/2017 23:25:59
How to Keep Your Cash Safe - Dodgy Lenders & Log Book Loans
While working in a car loan marketplace, you might come across a few dodgy practices. Particularly, logbook finances can be bad for consumers, as they do not have the same level of regulations and protection as other kinds of credit. Individuals can take out a logbook finance on the vehicle & then trade it on. In case you purchase a car with an excellent logbook finance on it, as a new-owner, ..
24/04/2016 11:31:44
Dealership Car Finance Alternatives
Did you ever visit a dealer to purchase a vehicle and been told that they cannot offer you finance anymore? You're possibly not alone. From the month of April, there have been modifications to the licences which dealer-ships require in order to offer finance, hence you might find that your selected dealership cannot finance your vehicle anymore.    Formerly, any organisation involved i..
24/04/2016 11:31:19
Tips on Preparing Your Finance for Getting the Best Car Loan Deals
    1. Be honest   Begin by working out your entire monthly incomes & outgoings. An online budget panel kit created by the money advice service can be a beneficial tool for helping you balance your finances appropriately. This includes calculating the entire cost of what you are presently spending on the vehicle.    By knowing your true vehicle expenditure & ..
24/04/2016 11:30:16
The Basics of Car Taxing
The tax for a car need to be paid on all the vehicles that are registered in United Kingdom which are kept on or driven on public roads. Picking a suitable vehicle could make a huge difference when it comes to your tax expenditures. In addition, picking a low tax vehicle could indicate it holds its price better since more individuals would like to purchase it. Also, cars which are kept off-road n..
22/03/2016 18:41:12
Perfect Time to Buy a Car
Buying a New Car   Picking the most ideal time of the year for purchasing a car can possibly save you plenty of cash. Below are a few things to keep in mind:   During February & August, most dealers tend to offer some exciting bargains, whilst the car sales are sluggish as consumers wait for fresh number plates about to come in Mar & Sep. However, in case you decide to take a..
22/03/2016 18:40:42
What to Do If You Get a Refusal on a Loan or Credit Card?
Know the Actual Reason for Refusal    If you have been turned down for a credit card or loan, the loan or credit card firm need to tell you if you were refused because of a search onto your credit file. In this case, they must inform you about the credit reference agency they’ve used for you. You may ask the reason for refusal however don’t expect them to provide you with a..
16/03/2019 10:08:07
Road Safety: Staying Out of the Danger Zone
Some of the recent studies in traffic accidents reveal that: Around 65 percent of fatal collisions occur as a result of driver reaction or error   Around 20.5 percent of the accidents happen because the driver is not able to see the nearing issue Around 34 percent of collisions occur because of loss of control after recognizing an issue on the path   The research by ROSPA reveals t..
22/03/2016 18:39:43
How to Buy a Car Using Hire Purchase?
Hire Purchase: An Introduction   Hire purchases normally (not always) require you to put-down deposit amount of 10 percent of the car value. You then pay the remaining amount in multiple instalments, across a period of 1 to 5 years.   Hire purchases are arranged by car dealers; however, brokers may also offer such type of service. The charges are mostly quite competitive if the car i..
22/03/2016 18:39:18
How Big Is the Role of Kids While Picking a Family Car?
It’s always an exciting period when you want to buy a new car, however there are several variables to take into account before you decide to seal your car deal. From your car color & design to comfort & practicality, each of us may have a different reason when it comes to picking a particular car. In a recent study, more than 25 percent of parents admitted kids play a huge rule in de..
22/03/2016 18:38:52
Death Drive: Motorists and Their Cell Phones
In the past few years, the popularity of smart phones has grown like never before & it appears that people are happier communicating via their smart phones as compared to having a real life dialogue.    In one of the recent studies, as much as 13 percent of drivers confessed to using their phones whilst driving. In spite of the dangers, it looks like we simply cannot get enough of ..
22/03/2016 18:38:26
Top 5 Tips on How to Sell Your Car
1. Preparation   Employing the right marketing strategy is crucial for getting the best potential deal – hence prior to advertising your vehicle, ensure to give it a proper clean inside as well as out. Also, ensure you fix any small paintwork damage. Consider renewing the MOT if there are less than three months left for it.    2. Advertising    You can find sev..
22/03/2016 18:38:01