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I found you on Facebook and wanted to know if you really can help customers with car finance even with really bad credit history. I was hoping to buy a car to get me to work as my old one has just died. I am currently in an IVA but I have not got long to go now as I am nearly caught up and having spoken to my IVA manager I can get a letter from them agreeing to me taking out a small car loan. To get something decent I would need about £4000 and would like something sensible like a Ford Focus diesel if possible as I do about 50 miles a day. Please advise whether you think you can help.

Hi Sue and thanks for your email regarding bad credit car finance.

You have certainly come to the right place as we specialise in helping people with poor credit history. The lenders we deal with are more interested in whether you can afford the payments today than looking at your past problems.

If you are back on track and can get a letter from your IVA manager then I see no reason we can’t help. As long as your are working over 16 hours a week and have a household income of at least £1000 after tax we should be able to get you approved straight away.

We will need to take your details and probably a copy of your recent bank statement to prove your income but this is pretty straight forward.

With a bit of luck we could have you on the road in no time so please complete our online application form or call one of our car finance experts on 0800 066 2888.

We look forward to helping you.

PS If you are not already please feel free to follow us on Facebook as we often have tips and advice on improving your credit rating.

About The Expert

Jon Le Roux is co-founder and company director of The Car Loan Warehouse. Being a mad engineering and motorsport enthusiast, I spend more hours than is healthy, watching, reading or talking about cars, boats, motorbikes…..basically anything with an engine.