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Car Finance In Carmarthen

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  • GMCF is a Broker and a Lender
  • Deposits from 0%
  • Employed, Self Employed or on Benefits
  • UK Car Finance Provider
  • REPRESENTATIVE APR 27.4%

Car Finance in Carmarthen: What You Need to Know

Are you in the market for car finance in Carmarthen? Whether you're a first-time buyer or an experienced car owner, you'll need to consider a range of factors when looking for the right loan. Here's what you need to know.

Types of Car Finance

When it comes to car finance in Carmarthen, there are a few different types of loans you could consider. The most popular option is a personal loan, which is usually taken out for a specific amount and repaid in monthly instalments. Alternatively, you could take out a hire purchase agreement, which allows you to pay for the car in monthly instalments until you own it outright.

Factors to Consider

When looking for car finance in Carmarthen, there are a few factors you'll need to consider. Firstly, you should think about the type of loan you'd prefer. If you're looking for a longer-term loan, a hire purchase agreement may be the best option. However, if you'd like to own the car sooner, a personal loan could be more suitable.

You should also consider the interest rate you'll be charged. The best way to find a competitive rate is to shop around and compare different lenders. Finally, you should think about the length of the loan. The longer the loan term, the lower the monthly payments will be, but you'll also pay more interest in the long run.

Where to Find Car Finance

When looking for car finance in Carmarthen, you'll find a range of different lenders. Your local bank or building society is a good place to start, as they may offer competitive rates and flexible repayment options. You could also look online, as there are a number of specialist lenders who offer car finance.

Conclusion

Finding the right car finance in Carmarthen can be a daunting task, but with a little research and comparison, you'll be able to find the best loan for your needs. Consider the type of loan you'd prefer, the interest rate you'll be charged, and the length of the loan before making your decision.



Refused Car Finance in Carmarthen

If you've been refused car finance in Carmarthen, the first thing to do is not to panic. There are a few steps you can take to improve your chances of being approved for a car loan in the future.

Check Your Credit Report

The first step is to check your credit report. This will show you any negative marks that may have caused the lender to refuse your application. It's important to make sure your credit report is accurate and up-to-date. If you find any mistakes, you can contact the relevant credit agency to get them corrected.

Improve Your Credit Score

If your credit score is low, you may be able to improve it by making regular payments on time and reducing your debt. This can take time, but it can be worth it in the long run. You can also look into getting a secured loan or a credit builder card, which can help you build your credit score over time.

Shop Around

It's also important to shop around and compare different lenders. Different lenders have different criteria for approving car loans, so it's worth looking into a few different options. You may also want to consider getting a loan from a non-traditional lender, such as a credit union or online lender.

Save Up

Finally, if you're able to, it's a good idea to save up for a down payment. This can help you secure a lower interest rate and reduce the amount you need to borrow. It can also help to convince lenders that you're serious about repaying the loan.

By following these steps, you can improve your chances of being approved for car finance in Carmarthen. Good luck!

CHOOSE YOUR CAR FIRST

Choose one of our cars designed for poor credit customers below and then you will be asked to apply online

CHOOSE YOUR CAR

Choose a car designed for poor credit customers from our stock below.

APPLY FOR FINANCE

Apply with us for finance on this car and get approved

SIGN THE DOCUMENTS

 After approval sign the documents from the lender and you are done.

PICKUP OR DELIVERED

There’s no need to leave home to get your car. Just choose a convenient delivery slot, and it can be delivered to your door.

£149pm
Free Delivery
FREE Warranty
.

RENAULT MEGANE

1.5 Dynamique TomTom Energy dCi 110 Stop & Start 2015

From £149(hp) per month or £7,550.00

£163pm
Free Delivery
FREE Warranty
.

Fiat 500

Lounge 1.2 2018

From £163(hp) per month or £8,245.00

£212pm
Free Delivery
FREE Warranty
.

Hyundai I20

Mpi Se 1.2 2017

From £212(hp) per month or £10,745.00

£157pm
Free Delivery
FREE Warranty
.

CITROEN C4 PICASSO

2.0 BlueHDi Exclusive EAT6 Euro 6 (s/s) 5dr 2015

From £157(hp) per month or £7,950.00

£212pm
Free Delivery
FREE Warranty
.

Toyota Aygo

Vvt-i X-trend 1 2019

From £212(hp) per month or £10,745.00

£108pm
Free Delivery
FREE Warranty
.

VOLVO XC70

2.4 D5 SE Lux 2008

From £108(hp) per month or £5,450.00

£230pm
Free Delivery
FREE Warranty
.

Vauxhall Crossland X

Elite Nav 1.2 2020

From £230(hp) per month or £11,645.00

£163pm
Free Delivery
FREE Warranty
.

Toyota Yaris

Vvt-i Active 1 2015

From £163(hp) per month or £8,230.00

£98pm
Free Delivery
FREE Warranty
.

FIAT 500

0.9 TwinAir Plus Euro 5 (s/s) 3dr 2012

From £98(hp) per month or £4,950.00

£301pm
Free Delivery
FREE Warranty
.

Ssangyong Korando

Elx 2.2 2018

From £301(hp) per month or £15,245.00

£360pm
Free Delivery
FREE Warranty
.

Volkswagen Tiguan

Match Tdi 2 2019

From £360(hp) per month or £18,245.00

£262pm
Free Delivery
FREE Warranty
.

Skoda Scala

1.5 TSI 1.5 2020

From £262(hp) per month or £13,249.00

£133pm
Free Delivery
FREE Warranty
.

Vauxhall Adam

Glam 1.4 2015

From £133(hp) per month or £6,745.00

£135pm
Free Delivery
FREE Warranty
.

MAZDA MAZDA2

1.3 SE 2014

From £135(hp) per month or £6,850.00

£118pm
Free Delivery
FREE Warranty
.

FORD FOCUS

1.6 Zetec Powershift Euro 5 5dr 2012

From £118(hp) per month or £5,950.00

£133pm
Free Delivery
FREE Warranty
.

Suzuki Celerio

Sz4 1 2016

From £133(hp) per month or £6,745.00

£113pm
Free Delivery
FREE Warranty
.

Ford Fiesta

Zetec 1.2 2014

From £113(hp) per month or £5,745.00

£163pm
Free Delivery
FREE Warranty
.

Ford Ka

Zetec 1.2 2016

From £163(hp) per month or £8,245.00

£242pm
Free Delivery
FREE Warranty
.

Audi A1

Tfsi Sport Nav 1.4 2018

From £242(hp) per month or £12,245.00

£147pm
Free Delivery
FREE Warranty
.

SEAT LEON

1.6 TDI S 2017

From £147(hp) per month or £7,450.00

£94pm
Free Delivery
FREE Warranty
.

CITROEN C1

1.0 i VTR 2013

From £94(hp) per month or £4,750.00

£133pm
Free Delivery
FREE Warranty
.

Mini Hatch

Cooper Sd 2 2013

From £133(hp) per month or £6,745.00

£337pm
Free Delivery
FREE Warranty
.

Kia Xceed

SPECIAL EDITION 1 2021

From £337(hp) per month or £17,045.00

£149pm
Free Delivery
FREE Warranty
.

Toyota Aygo

Vvt-i X-play 1 2017

From £149(hp) per month or £7,545.00

£116pm
Free Delivery
FREE Warranty
.

FORD ECOSPORT

1.0 T EcoBoost Titanium 2015

From £116(hp) per month or £5,850.00

£173pm
Free Delivery
FREE Warranty
.

Kia Proceed

Pro Ceed Crdi Gt-line Isg 1.6 2016

From £173(hp) per month or £8,745.00

£98pm
Free Delivery
FREE Warranty
.

FORD FIESTA

1.3 Zetec 2010

From £98(hp) per month or £4,950.00

£137pm
Free Delivery
FREE Warranty
.

CITROEN DS5

2.0 HDi DStyle 2013

From £137(hp) per month or £6,950.00

£137pm
Free Delivery
FREE Warranty
.

FORD ECOSPORT

1.5 TDCi Titanium 2014

From £137(hp) per month or £6,950.00

£163pm
Free Delivery
FREE Warranty
.

Renault Clio

Dynamique Nav Tce 0.9 2017

From £163(hp) per month or £8,245.00

£153pm
Free Delivery
FREE Warranty
.

Volkswagen Jetta

Se Tdi Bluemotion Technology 2 2015

From £153(hp) per month or £7,745.00

£98pm
Free Delivery
FREE Warranty
.

MERCEDES-BENZ CLC CLASS

1.8 CLC180K Sport 2011

From £98(hp) per month or £4,950.00

£129pm
Free Delivery
FREE Warranty
.

MAZDA MAZDA3

1.6 Venture 2013

From £129(hp) per month or £6,550.00

£78pm
Free Delivery
FREE Warranty
.

VAUXHALL CORSA

1.2 i 16v Limited Edition 2011

From £78(hp) per month or £3,950.00

£177pm
Free Delivery
FREE Warranty
.

RENAULT CLIO

0.9 Iconic TCe 75 MY18 2018

From £177(hp) per month or £8,950.00

£197pm
Free Delivery
FREE Warranty
.

NISSAN JUKE

1.6 Tekna XTRON Euro 6 5dr 2015

From £197(hp) per month or £9,950.00

£242pm
Free Delivery
FREE Warranty
.

Mini Convertible

Cooper 1.5 2016

From £242(hp) per month or £12,245.00

£281pm
Free Delivery
FREE Warranty
.

Vauxhall Corsa

1.2 GRIFIN 1.2 2021

From £281(hp) per month or £14,245.00

£197pm
Free Delivery
FREE Warranty
.

DS AUTOMOBILES DS 3

1.2 PureTech Chic 2017

From £197(hp) per month or £9,950.00

£123pm
Free Delivery
FREE Warranty
.

CITROEN C3

1.2 PureTech Feel 2017

From £123(hp) per month or £6,250.00

£123pm
Free Delivery
FREE Warranty
.

FORD FIESTA

1.0 T EcoBoost Zetec S 2016

From £123(hp) per month or £6,250.00

£118pm
Free Delivery
FREE Warranty
.

NISSAN QASHQAI

1.6 360 2013

From £118(hp) per month or £5,950.00

£100pm
Free Delivery
FREE Warranty
.

Toyota Aygo

Vvt-i X-play 1 2014

From £100(hp) per month or £5,045.00

£177pm
Free Delivery
FREE Warranty
.

VAUXHALL CORSA

1.2 Turbo Elite Nav Premium 2020

From £177(hp) per month or £8,950.00

£218pm
Free Delivery
FREE Warranty
.

Ford Fiesta

Titanium 1 2018

From £218(hp) per month or £11,045.00

£193pm
Free Delivery
FREE Warranty
.

Kia Venga

3 Isg 1.6 2015

From £193(hp) per month or £9,745.00

£222pm
Free Delivery
FREE Warranty
.

Vauxhall Mokka X

Elite Nav Ecotec S/s 1.4 2018

From £222(hp) per month or £11,245.00

£153pm
Free Delivery
FREE Warranty
.

Volkswagen Up

Move Up 1 2016

From £153(hp) per month or £7,745.00

£232pm
Free Delivery
FREE Warranty
.

Mini Hatch

Cooper Classic 1.5 2018

From £232(hp) per month or £11,745.00

£351pm
Free Delivery
FREE Warranty
.

Bmw 2 Series

220i Luxury Active Tourer 2 2018

From £351(hp) per month or £17,745.00

£153pm
Free Delivery
FREE Warranty
.

Fiat 500

S 1.2 2017

From £153(hp) per month or £7,745.00

£281pm
Free Delivery
FREE Warranty
.

Renault Kadjar

Dynamique S Nav Tce 1.3 2018

From £281(hp) per month or £14,245.00

£127pm
Free Delivery
FREE Warranty
.

FORD FIESTA

1.0 T EcoBoost Zetec 2014

From £127(hp) per month or £6,450.00

£281pm
Free Delivery
FREE Warranty
.

Fiat 500

mild hybrid 1 2023

From £281(hp) per month or £14,245.00

£355pm
Free Delivery
FREE Warranty
.

MINI CONVERTIBLE

2.0 Convertible 25th Anniversary Editio 2018

From £355(hp) per month or £17,950.00

Cant Find Exactly What You Are Looking for?



View 300,000 Dealer Cars >>>

Representative Example


Cash Price

£7500.00
Deposit

£0.00
Representative
APR

27.4%
Loan Term

48 Months
Total Charge For Credit

£4923.36
Total Amount Repayable

£12,423.26
48 Monthly Repayments

£258.82
  Arrangement Fee

£0

LOOKING OUT FOR YOU


"Responsible Lending" Pros and Cons of Borrowing Money


Financing a car is a big responsibility. In order for us to help you, you have to help yourself. We ask you to please look into the costs, financial terms, and options you have before making the decision to finance. Ask yourself if you know the following:

  • What will I be paying back? Remember to include interest and fees.
  • What is the Finance APR? The higher this is, the more you'll pay.
  • How long will I be repaying for? The longer the loan, the more you'll pay.
  • What is my credit rating? The higher it is, the lower the interest rate.
Ask yourself, given all of the above, can you afford the car you are looking at. If so, great! Apply for your finance now. If not, perhaps it time to reevaluate the car you are looking at.  We also have a whole heap of car finance related articles you can look through which can help you out if you have any questions.