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When you take out a car finance agreement, it's easy to assume you're locked in till the final payment. But the reality is, your financial situation can change a lot during the time you're paying off your loan.
If you’re thinking about changing your car, your credit score will play a key role in what finance options you can access. Lenders look at your credit history to assess risk before approving a car loan, PCP, or HP agreement.
Most people start thinking about car finance with a simple question. Can I afford this each month? What often gets overlooked is something quieter but just as important. The deal you are offered is usually shaped long before you agree to a monthly payment. It is shaped in the background by your credit score.
TAL Marketing Group Limited trading as swoppa is registered in England and Wales under company number: 10612899. Registered Office Address: Work Life, Brown Street, Manchester, England, M2 1DH.
TAL Marketing Group Limited t/a swoppa is an appointed representative of Creative Finance Corp LTD under reference FRN 968428. Creative Finance Corp LTD is authorised and regulated by the Financial Conduct Authority under reference FRN 702435, and is the principal firm of TAL Marketing Group Limited. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request.) Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow) and this may or may not affect the total amount repayable. The lender will disclose this information before you enter into an agreement which only occurs with your express consent. The lenders we work with could pay commission at different rates and you will be notified of the amount we are paid before completion. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers. As we are a credit broker and have a commercial relationship with the lender, the introduction we make is not impartial, but we will make introductions in line with your needs, subject to your circumstances.
TAL Marketing Group Limited t/a swoppa are registered with the Information Commissioner's Office under registration number ZB241343.Your details will be shared with 3rd parties, where it is necessary for our legitimate interests (or those of a third party) and your interests, and your fundamental rights do not override those interests, such as companies that can improve your current financial circumstances
