THE EASY WAY
TO DRIVE AWAY.
Our rates start from 11.9% APR, the rate you are offered will be based upon your individual circumstances.
Borrowing £8,700 over 5 years with a representative APR of 24.3% an annual interest rate of 21.9% (fixed) and a deposit of £0.00, the amount payable would be £239.88 per month, with a total cost of credit of £5,692.80 and a total amount payable of £14,392.80.
Luv Cars is a broker, not a lender.
Lender fees may apply, this is an example only.
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3. Drive away & luv it
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Poor Credit Considered
As a finance broker, it's commendable that we consider most types of poor credit when assisting all our customers. At Luv Cars we assess the specific circumstances of each individual with poor credit.
Look beyond credit scores and consider factors such as the reasons behind their poor credit and their current financial situation. We consider factors such as stable income and employment history.
Frequently asked questions
How do I apply for car financing?
To apply, you can fill out our form or call up one of our team on 0161 565 4149 to assist you through the form. You’ll need to provide personal information such as your name, address, employment details, and income.
Can I finance a car with bad credit?
Yes, it is possible, but be prepared for higher interest rates and fees. Improving your credit score before applying can help secure better terms.
Do I need insurance to finance a car?
Yes, lenders typically require comprehensive and collision insurance to protect their investment in the vehicle. You may also need to carry gap insurance, which covers the difference between the car’s value and the loan amount if the car is totalled or stolen.
What happens if I miss a car loan payment?
Missing a payment can incur late fees and negatively impact your credit score. Continued missed payments can lead to the lender repossessing the vehicle. It’s important to communicate with the lender if you’re facing financial difficulties.
Can I refinance my car loan?
Yes, refinancing involves taking out a new loan with different terms to pay off your existing car loan. It can be beneficial if you find a loan with a lower interest rate, leading to lower monthly payments or a shorter loan term.