Searching for a car, whether it is the first vehicle for people who have just passed their driving test or experienced drivers who wish to upgrade or downside from their currently owned vehicle, can be an arduous and prolonged task. Car dealerships across the United Kingdom provide a considerable wealth of choice to suit the need of all customers, whether they require a sports car or a family saloon which accommodates both parents and children. The second hand market further adds to the substantial options with car owners playing the role as seller by advertising their vehicle across newspapers and car magazines to attract prospective buyers.

Many car finance companies also specialise in providing car finance deals for people with average or poor credit ratings. These consist of used cars which are available across all models and ranges to provide customers with the best vehicles to suit their personal requirements.

Drivers who either look for their first car or require a more reliable vehicle may be turned away by certain companies due to their credit rating. Such companies will only exclusively conduct business with drivers who can provide evidence of a healthy credit rating and be able to afford the payments over a fixed period.

Although car finance companies specialise their expertise in helping customers with their credit problems and be approved for finances, drivers require assurances that the vehicles on offer are safe to drive. Unscrupulous sellers of second hand cars may use techniques or effectively bend the truth to hide a car’s true history and information, such as its mileage and any change in registration plate. Failing to make adequate checks can result in customers purchasing cars that not only cost significantly more than their true value, but can also place their lives at severe risk.

Car finance deals consist of used cars which have been rigorously tested and data checked via the correct legal procedures to ensure customers can obtain a roadworthy vehicle. Not only are second hand cars supplied under long MOT tests and a free warranty (this may differ between each car finance company), but they are also inspected and subjected to HPI checks. This ensures that car credit companies provide customers with finances to afford monthly payments for vehicles which are safe to drive.