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Refused Credit? |
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We can help! Step 1 Apply for the above card
Even if you have been refused credit elsewhere we can generally be of assistance to you, and it doesn't mean that you really have to pay through the nose.
We sympathetically understand and our trained sales people will handle your application with the respect it deserves. All we really care about is supplying you with a van(s).
Each application goes to a number of specialist lenders who will look at each application in it's own merit.
As a first step please apply for the credit card above.
There are two reasons. Firstly so we can see how bad your score is, and the results take 30 seconds. Secondly if it does pass we thus have a deposit which will obviously help.
Please, any questions don't hesitate to contact us.
If they say yes, you now basically have a way of paying the VAT which is aked for upfront on 9/10 adverse van credit deals.
We can help! Step 2 of how to fix your van credit. Just click on banner above and fill in form.
Step 2 is to now find out exactly what your credit report says. This is free, and take just a few seconds. In days when identity fraud is rife, how can you afford not to check out what information is held by the banks on you.
It may also be the case that you have for instance, something silly against your name like a late payment, or a parking ticket, that you can afford to pay off today., but how else are you going going to know unless you check above?
You may otherwise go to one of those "Yes" type places that offers credit at extreme high interest rates unnecessarily. Just add your details and then move onto step three.
We can help! Step 3. Click on flag.
Ok you have done 1 and 2. Now send us your details and tell Swiss Leasing what van you want.
Tip!
Even if you have CCJ's or have bad credit if you can proove that your company makes lots of money you may well still be considered by prime lenders. Simply scan your bank statements or accounts and there is a button for uploading these to us securely.
- Why was I refused credit?
There are many reasons. If you have a poor credit score, if you have CCJ's, and in particular if you have walked away from a debt(adverse).
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- What does this mean?
We will do two things.
1. We will try you with our main lenders.
2. If they too refuse we will then try our subprime lenders. Minium deposit is about £1000 which is why you need the credit card above. Please don't be fussy with which van we offer.
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- How does Sub- Prime finance work?
It works in the same way, but it takes a little longer. More checks are made and more proofs are asked for. Sometimes the range of products offered may be smaller. Some companies only do HP, or leases without a ballon in such circumstances.
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- Are the payments higher?
Not always. If you failed just due to a weak credit score, then your payments may well be the same or very similar.
if you failed due to something adverse in the past, then it is quite likely that the monthly figure will be higher. How much higher depends on the individul.
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- Anything else I should know?
Not really. The subprime finance companies tend to call the customers directly, and quote you on our vans directly since each case is considered in it's own merits.
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