Bad Credit Car Finance Specialists in Essex
Sun Valley Auto Sales Ltd provides specialist, respectful support for customers who want to explore car-finance options after credit difficulties.
Finance is subject to status, income, affordability, credit checks and lender approval. A deposit may be required. Sun Valley Auto Sales Ltd is a credit broker, not a lender. We work with a number of carefully selected credit providers and our introduction is not impartial.
Credit problems do not prevent you from asking about your options
You can make an enquiry if you have experienced missed or late payments, defaults, CCJs, limited credit history or a previous finance refusal. These circumstances do not mean an application will be accepted, but they can be explained accurately for a lender to assess.
We will not describe an application as accepted until a lender has completed its checks and made an offer. Never borrow more than you can comfortably afford.
How a car-finance enquiry works
Set a realistic budget
Include the deposit, monthly repayment, insurance, fuel, tax and maintenance.
Submit accurate details
Provide truthful personal, employment, income, address and expenditure information.
Lender assessment
A provider may check eligibility, affordability and credit information before deciding.
Review the quotation
Compare the APR, repayment schedule, total charge for credit and total amount payable.
Plan a possible monthly budget
The calculator is only an illustration based on the dealership's saved Representative Example. It is not a quotation, eligibility result or acceptance decision.
Finance is subject to status, income, affordability, credit checks and lender approval. A deposit may be required. Sun Valley Auto Sales Ltd is a credit broker, not a lender. We work with a number of carefully selected credit providers and our introduction is not impartial.
Car finance calculator
Adjust the vehicle price, deposit and term to see an estimated monthly payment. This is not a quotation or guarantee of acceptance.
- Estimated monthly payment
- Change deposit and agreement term
- Finance subject to status and lender approval
Credit broker, not a lender
Sun Valley Auto Sales Ltd works with a number of carefully selected credit providers. Our introduction is not impartial and different lenders may offer different rates.
We may receive a fixed fee or fixed percentage commission from a lender. This may affect the total amount payable. We will disclose the commission arrangement before an agreement and obtain your express consent.
Sun Valley Auto Sales Ltd
FCA reference 1051626 · Company number 16746432 · ICO registration ZC145066
Bad-credit car-finance questions
Is bad-credit car-finance approval guaranteed?
No. Every application is subject to status, income, affordability, credit checks, lender criteria and approval. A deposit may be required.
Can I make an enquiry after missed payments, defaults or a CCJ?
Yes, you can make an enquiry and explain your current circumstances. A lender will assess the application and acceptance cannot be promised.
Will a lender carry out a credit check?
Credit checks may be used when an application is assessed. Ask us about the likely type of search before you proceed because the process can vary by provider.
Does Sun Valley Auto Sales Ltd lend the money?
No. Sun Valley Auto Sales Ltd is a credit broker, not a lender. We can introduce you to a number of carefully selected credit providers and our introduction is not impartial.
Could Sun Valley Auto Sales Ltd receive commission?
Yes. We may receive a fixed fee or fixed percentage commission from a lender, which may affect the total amount payable. We will disclose the arrangement before an agreement and obtain your express consent.
What information should I provide?
Accurate employment, income, address and expenditure information helps a lender make its affordability and eligibility assessment. Never enter figures that do not reflect your circumstances.