Finance For You
Hire purchase for cars with poor credit accepted. Quick approval, fair assessments, flexible terms. Repayments improve your credit profile. Get started today!
Finance For You offers a hire purchase car loan specifically designed for individuals with a poor credit record. It grants approval even if you have struggled with repayments in the past. While interest rates may be higher than typical loans due to the risk, making timely payments not only gets you driving but also helps repair your credit by reporting repayments to the Central Credit Register. Eligibility also depends on their affordability and creditworthiness checks.
How To Apply: Step by Step
- Complete the online application form with your personal and financial details.
- Send in any required documents for their affordability checks.
- Wait for quick approval—no lengthy meetings required.
- On approval, review and sign your hire purchase agreement.
- Get the funds to purchase your chosen car.
Key Advantages
Finance For You stands out by making hire purchase car loans accessible after a bad credit history, offering a path to ownership and better financial standing. Their online process is quick and convenient, minimising stress and time spent. Plus, repayments help rebuild your credit rating for future borrowing.
Potential Drawbacks
Because the risk is higher, you will face higher interest rates compared to mainstream lenders. Also, if you fail to meet repayments, your credit may suffer further and you could face early repayment charges.
Final Verdict
If you need a car in Ireland but your credit report is less than ideal, Finance For You provides a genuine solution. By focusing on credit rehabilitation and clear terms, it’s a pathway to both mobility and improved credit. Just be aware of the higher rates and pay on time to take full advantage.