The recession has made it harder for people with average to poor credit histories to get car finance deals. And yet, this is probably the time when those people need a car most in order to keep themselves afloat by either looking for a new job (and being able to get to it!) or by being able to continue in their daily routine if their current car suddenly becomes unreliable and needs to be upgraded. Although car dealerships all differ greatly in who they accept for their own car financing deals, going from one to another in the hope of getting an offer of a deal can actually be more detrimental to your credit history, as too many checks will go against you.
What you need to do instead is to go to somewhere which is guaranteed to offer you a car finance deal, such as RightDrive. You may be classed as having poor credit because you don?t have much credit history to base a check on, or it may be because you have debts or CCJs (the instant harbinger of death of a standard finance deal!). Whatever the reason, RightDrive will offer you a deal within minutes of you choosing your car, with affordable monthly payments to suit your budget, although it is recommended to choose something within your means all the same. The length of your agreement will generally depend on the age of the car also, so bear this in mind when you go to pick your car.
Source: http://www.multiplexultra.com/2011/09/car-finance-no-matter-what-your-credit-history/
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