Take the stress out of buying a vehicle from Marshall SEAT with one of our affordable finance packages which can be tailored to enable you to buy the car of your choice with ease and no stress.
Our prearranged Marshall SEAT finance facility has been specifically designed to help SEAT 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, you will know ahead of visiting one of our SEAT dealerships that your funding is secure, meaning you can concentrate on finding the car which is perfect for you and your family.
There is a lot of confusion surrounding credit rating scores. Common rumours are that ‘blacklists’ and student loans are included in the credit rating decision which isn't true.
What is a credit rating in simple terms?
A credit rating is a grading system used by banks and lenders when you are applying for a bank account, credit card, overdraft, mortgage and other financial products.
Although it is a common myth, there is no credit score blacklist and your credit record is not held on a single database. Your records are held by three major credit companies: Call Credit, Experian and Equifax.
Your credit rating is just one factor in a lender’s decision making process. Every lender or bank will couple your rating with data of their own, from the application form or internal credit history report. There are lots of factors involved, so you can help yourself by being aware of and taking care of your credit rating all year round, ensuring bills are paid on time and finances are managed correctly.
The exact calculation used to get your credit rating contains many different factors and the agencies all use these different factors in different combinations when ranking your credit score. This is why it’s best to check with all three (see below).
They will check:
They won’t check: