We offer finance for car and van leasing to people mainly in the Manchester area. To apply for our car and van finance loans you must:
be over 18
have a bank/building society account
have a permanent UK address
have not been declined for credit in the last month
not have a history of bad credit like arrears, county court judgements (CCJ's), default or bankruptcy
First, we tailor a quote for you, then, if you like it, and subject to the payment of our broker fee, we introduce you to our finance and franchised car and van dealer partners where we have in place pre-negotiated exclusive deals at preferential prices and terms to get you that all important saving. Get a quote now by calling Danielle on Free phone 0800-975-2746, email at email@example.com or pop into our offices in Bury, only ten miles north of Manchester City centre.
If you know the cost of the car or van you wish to purchase please download our Excel repayment calculator:
What is a credit check and why does it need to happen?
Bury Vehicle Leasing is able to help car and van buyers with all types of credit history. However, bear in mind that before you are approved to take finance from a lender for anything (whether that is to get a credit card, buy a house or buy a car) the finance company will request that it can undertake a ‘credit check’ of your credit history to verify your identity and your ability to make repayments. This is normal for car or van leasing and should have no significant impact on your credit rating.
If you’re over 18 and have a history of taking credit, it is most likely that you have a credit report held by a credit reference agency. Your credit history specifies how you have managed your credit including mobile phone contracts, mortgages and credit cards. This report provides a summary of your credit accounts, repayment record and how well you are coping with your finances.
Lenders use this information to assess how much to charge you for taking the credit – people with a very good credit record will most often obtain lower interest rates. Provided that you have not missed more than one payment on a loan/credit card or had any credit problems (demands/CCJ) in the last 12 months your credit profile should enable you to obtain finance. If you have missed some payments then your credit rating will be affected and depending on the severity and frequency of your missed payments you may not obtain the specified rate/price for a product.
You can see your credit report and learn how to improve your credit history whenever you like by using websites such as creditexpert.co.uk.