You may not be able to get credit at the preferential rates of someone who has a glowing credit record. Yet smaller less formal lenders do claim to cater to your situation.
First they want to know that you can remember to pay them. So have a budget, written down.
Then take any bits of paper than prove there are things that you have successfully managed to pay off, a car, furniture, student loan, something. It can't be all bad news.
Then in that note book, write down exactly what your situation is each month, it is not difficult to do.
Start with incomings, so salary and maintenance payment etc.
Then all your costs, listed systematically in order of importance,
Rent, utilities, phone, food, petrol, car, insurances, slush fund for emergencies. Don't leave anything out, they want to be sure you know what you are doing.
Don't forget to add entertainment, everybody has some. They will notice if you smoke and haven't costed it in.
When you make an appointment, turn up clean and neatly dressed. They are making a decision on you, not your car.
First they want to know that you can remember to pay them. So have a budget, written down.
Then take any bits of paper than prove there are things that you have successfully managed to pay off, a car, furniture, student loan, something. It can't be all bad news.
Then in that note book, write down exactly what your situation is each month, it is not difficult to do.
Start with incomings, so salary and maintenance payment etc.
Then all your costs, listed systematically in order of importance,
Rent, utilities, phone, food, petrol, car, insurances, slush fund for emergencies. Don't leave anything out, they want to be sure you know what you are doing.
Don't forget to add entertainment, everybody has some. They will notice if you smoke and haven't costed it in.
When you make an appointment, turn up clean and neatly dressed. They are making a decision on you, not your car.
