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Who can apply?
Durham cars 4 u specialises in providing finance for almost anyone. If you have a regular income and a driving licence, we have a high chance of getting you approved.
How do I apply?
How long does it take for a decision?
We will process your application the same day you apply (providing it is during business hours) and usually have a decision within the hour.
How much can I borrow?
The amount of credit you are offered will be dependant on a number of factors such as income, current credit commitments and your monthly expenditure.
How much will my payments be?
The monthly payment will depend on the amount you borrow, the term of the agreement and the rate of interest. We will work closely with you to establish a comfortable monthly budget.
What if I have CCJS or defaults?
Even if you have CCJs or defaults we can in most cases get you approved. Our specialist lenders take CCJs and defaults, providing you meet their criteria.
What if I have been refused elsewhere?
Even if you have been refused elsewhere, we have a high chance of getting you approved. Our panel of specialist lenders are here to help.
What if I have bad credit?
We specialise in getting people approved with poor or no credit history, our lenders look at your ability to make repayments going forward not your past.
Do you accept benefits?
Yes, we accept people on benefits such as income support, DLA, pip, child tax credits, working tax credits, universal credit and pensions.
Can I choose a car?
Yes, after we get you approved and obtain a credit limit we will either invite you to the showroom to choose a car from our range or you can choose a car online and come and collect it at a date that suits you.
Do I need a deposit?
In most cases, we wouldn't ask you for any deposit although some lenders may ask for one.