Bad Credit? Want Car Finance? We Can Help

Car Finance For Drivers With A Bad Credit History

If you’ve got a bad credit history and can't get car finance we can help. At Pentagon we specialise in providing car finance to customers who have a poor or no credit history.

Access To A Wide Range Of Lenders With Terms To Suit You

We know that just because you’ve got a bad credit history it doesn’t automatically mean that you won’t be able to afford the monthly repayments. When we make a credit decision we’ll look at your current circumstances and whether or not you’ll be able to make repayments on the car loan, we won’t just look at your history. We also know that often people have a poor credit rating through no fault of their own.

Our finance packages mean we can offer affordable car finance to more car buyers than ever before. The lenders we work with include finance companies that purely focus on bad credit car loans, so at Pentagon we specialise in helping customers with defaults, CCJs, mortgage arrears, council tax arrears and self-employed people get car finance with a realistic APR and affordable monthly payments.

27.9% APR Representative

Car Finance From Pentagon

  • At Pentagon we have access to a range of lenders who specialise in helping customers who have historic credit problems
  • We can create a bespoke credit option based upon your own individual credit profile offering the terms that best suit you as an individual
  • Loans are not secured on your property

Anyone can apply for car finance at Pentagon provided that:-

  • You are 22 years of age or over
  • Hold a valid UK provisional or full licence
  • Have been a resident on the UK for over 3 years
  • Are currently in employment and earning in excess of £850 per-month after tax

What Is A Credit Rating?

Lenders will normally judge your finance application based upon 2 key factors:-

  • How you paid finance payments in the past (your credit history)
  • Your overall current 'Profile' (for example how long you have been at your current address, length of time in your current job, etc.)

The lender will then combine these two elements to create an overall ‘credit score’ or ‘credit rating’ for you as a potential customer. With access to 14 lenders, we are able to cater for most credit statuses.

At Pentagon We Are SAF Approved

Our Specialist Automotive Finance (SAF) Approved status recognises our commitment to increased professional standards and motor finance knowledge. At Pentagon all our dealerships are SAF Approved and all our customer facing employees who are involved in the sale of finance have passed the SAF competence test.

If you would like more information about our motor finance products or the application process contact your local Pentagon dealership.

27.9% APR Representative

Finance subject to status, conditions and availability. Written quotations are available on request. The APR is dependant upon your individual circumstances, the term and loan amount.

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