Have you been searching for bad credit SEAT finance?
Have you seen the SEAT you want and just need to get the finance in order? Even if you have bad credit, we can help you do just that! Even if you are worried that a poor credit score may stand in the way, we can help you get approved for a bad credit SEAT finance deal through Refused Car Finance.
Get your bad credit SEAT finance sorted right now
We can get your approved for SEAT car finance and into your next car in a matter of hours!
Seat Finance Requirements
You might be wondering who can apply for SEAT finance with bad credit?
As long as you can say yes to the following questions then we have finance options available to you.
Have you lived in the UK for at least 3 years?
Are you at least 18 years old?
Are you free from bankruptcy?
Are you able to prove you can meet the repayments?
Perfect, then we can help!
How do I improve my chances of getting approved for used SEAT finance?
If you are wanting a no guarantor car finance package or the very best rates, then you need to meet more than the basic criteria. Here are some tips to helping improve the rate your get offered:
- Full UK Licence – This is not to say if you hold a provisional or EU licence we can’t help. Rather, to have access to our full lending panel a full UK licence is a huge help. The more options you have the easier it is for us to match you up to the very best deal.
- Good credit rating – Refused Car Finance are bad credit car finance specialists so please don’t worry about this too much! However, to get the very lowest rates, a good credit score is required. Regardless of the actual score, a credit file improving is seen far more favourably than a score on the way down.
- Consider a deposit – A deposit not only helps lower your monthly repayments, but it means you are lending less which makes your car finance less risky. No deposit car finance isn’t for everyone and we have many no deposit options for bad credit SEAT finance. However, if you can afford too, it’s definitely worth considering.
- Wait 12 months if received a CCJ – You can receive a County Court Judgement for almost everything and sometimes it can seem really unjust. However, lenders don’t want to issue them and prefer to offer SEAT finance to people proven to make their repayments. If you have a CCJ on your file we do have options available, but in order to get the very best rate we recommend that you wait at least 12 months since your CCJ was issued before applying for car finance.
- Limit finance applications – Too many finance applications in a short period of time can signal to finance providers that you may be desperate and can call into question your financial stability. If you need car finance, it’s best to apply to one place and wait for the decision. If you need to apply for a mortgage, car finance and a credit card, start with the most important and biggest first.
- Bank your money – If you are paid cash in hand you should put that money in your bank account for three months before applying for finance. Don’t worry you can take it straight back out, but you need to be able to prove you can afford finance. Lenders often look to your bank statements as a way of doing this. Therefore, make sure you bank all of your income to prove to lenders your affordability.
- Get on the Electoral Role – Regardless of whether you intend to vote, being on the electoral role can prove valuable when it comes to getting approved for bad credit SEAT finance. Lenders and other finance providers often look to the electoral role in order to find your address and ensure it matches up with your application. Simply not finding you can trigger fraud alerts and you could even be automatically declined for this alone.
How does SEAT car Finance work?
SEAT car finance is just as simple to apply for as any other form of car finance. The fact that you already know what make or car you are after only makes it easier. To get used SEAT finance just fill in our short application form. This will then come through to our car finance experts who will match you up with the most suitable lenders. Please keep your phone on you as we may give you a call if we need any further information.
One we have a decision from our lenders we will be in contact to let you know the loan value and at what rate the finance companies are offering you. You then pick which SEAT finance package works best for you. We sort our all of the complicated paper work with the lender so you can concentrate on the fun stuff, finding the right car!
If you already know which SEAT you would like to finance then we just need to get you all paid out and release the funds to the dealership. If you aren’t quite sure which car you want or you haven’t found the right one within your budget, then our free car buying team can step in and help you source it! All cars must come from trusted FCA approved dealership to ensure that you are driving away in a reliable SEAT. If we haven’t already worked with the car garage before, we will undertake our own checks just to ensure that you aren’t being taken for a ride by a dodgy dealer. This is really important to us are we are the first broker in the UK who provides you with a free warranty on other people’s cars.
Getting SEAT Finance with bad credit
We briefly touched on this above but it’s possibly the most common question we get asked so it’s worth repeating. You CAN get car finance with a bad credit score. You CAN drive away in a SEAT with a bad credit score. You have come to us most likely because this is your biggest worry. I’m delighted to let you know that we offer 98.4% of people who apply for finance through us a finance option! A credit score is one of many signals to lenders when they decide to offer you finance or not. It is not the only option though. If you are worried there are many steps you can undertake to improve your credit score that you should consider implementing before applying.
SEAT finance deals
- Borrow from £500 to £50,000
- No deposit plans available
- Guarantor not required
- 4% approval rate
- Bad credit specialists
- FREE Warranty
Financing SEAT Cars
Find out more about the different SEAT models you could get on finance with us today.
SEAT Leon Finance
The SEAT Leon is a sporty looking family hatchback. In fact, it may be one of the best on the market. The Leon is a true rival to the VW Golf but with a cheaper price tag. It handles extremely well and is cheap to both run and buy. With the promise of low running costs and great driving ability, what is there not to like?
You could get the Leon with no deposit today, just use our application form and we’ll do the rest.
SEAT Ibiza Finance
Seat’s longest running model is the Ibiza and it’s not much of a surprise when you consider everything you get with this car. It takes on the super-mini market and brings a whole load of tech, lots of space, efficient engines and stylish looks. Ideal for small families, you’ll be impressed with the boot space which back seat room. It’s punchy yet smooth making it a fun drive too.
Financing this SEAT finance is really simple, just apply today and you could be driving away before you know it.
SEAT Ateca Finance
We love the SEAT Ateca, and you should too. It’s practical, efficient and fun to drive. SUVs are the most desired car type in the UK these days and the Ateca is a fine example. It has a well sought-after high driving position making it really simple to drive. It looks sport though, thanks to its sharp headlights adding a touch of premium flare to it.
Treat yourself and your family to this SUV and we will give you a free warranty.
Get SEAT car finance today
Don’t waste any more time, let’s get your bad credit SEAT finance sorted today.