Marshall Kia can help you get credit to buy a vehicle

Take the stress out of buying a vehicle from us with one of our affordable finance packages which can be tailored to enable you to buy the car of your choice with ease.

Our prearranged car finance facility has been specifically designed to help customers who feel they may have a poor credit history, find a car that fits within their monthly budget.

All we need is a few details to get you started and by the end of our quick and convenient process, where we do all the work for you, you will know ahead of visiting one of our dealerships that your funding is secure, meaning you can concentrate on finding the car which is right for you.

Benefits of our Prearranged Car Finance Facility

  • With access to 14 different lenders, we can help you find the terms which best suit your credit profile and budget
  • Our ‘soft search’ technology protects your credit rating
  • We can save you the time and hassle of having to ‘shop round’ and make multiple credit applications
  • We offer a quick and very convenient service designed around you, our customer
  • We provide this service Free of charge and there is no obligation to take advantage of any of our quotes

Here is how our prearranged finance facility works:

  • Complete the brief online application to receive and instant decision at any time of day or night
  • One of our customer services team will be happy to answer any queries you may have
  • Obtain a credit limit that suits your ideal monthly budget
  • Visit the dealership to test drive a selection of cars that you already know are affordable

Anyone can apply provided you:

  • Are aged 22 years or over
  • Hold a full UK provisional or full licence
  • Are currently employed or self employed earning in excess of £850 pmth (after tax)
  • Have been resident in the UK for over 3yrs

27.9% APR Representative

Credit rating explained:

  1. A lender will tend to judge your finance application based on 2 key areas :
    i) How you have paid credit in the past (i.e. your ‘credit history’).
    ii) Your overall current ‘profile’ (i.e. how long you have been at your address and how long you have been in your current in job, etc, etc).
  2. The lender will then combine these two elements to create an overall ‘credit score’ or ‘credit rating’ for you as a potential customer
  3. With access to 14 lenders, we are therefore able to cater for most credit statuses.