Novated Leases and Bad Credit
So you’ve got a bad credit rating. Maybe times were tough a few years ago or maybe you made a few bad decisions when you were younger. That’s the end of finance for you. Isn’t it?
Actually, it’s not.
The good news is that you still may be eligible for a novated lease despite your bad credit history. This means you can enjoy the benefits of a novated lease and a new car, just like everyone else. There’ll be no need to scrimp and save or busk on a street corner for some extra cash.
That shiny new car you want or perhaps even need? It could be yours.
There are a number of lenders out there which are non-conforming lenders that offer leases and loans to people with bad credit history. Of course, you need to be just as, if not more, diligent when reading the fine print and deciding whether to commit yourself to a bad credit lease. Make sure you don’t rush and that you’re looking at things carefully. Don’t be impulsive because you could be paying for it for a lot longer than waiting til you’re in the right position.
For example, you might find that you have to pay a higher interest rate. Whilst your interest rate might be slightly higher than others with good credit history, it shouldn’t be significantly higher. Conduct some research to make sure you’re not being ripped off.
You also shouldn’t have to pay a loan approval fee upfront. Most companies will work the application fee into the loan once it’s been approved. You shouldn’t have to pay anything in advance which is charged whether or not you are approved. You also should avoid companies which advertise themselves as accepting all applications.
Don’t be afraid to ask as many questions as you need to.
Also be wary of the fact that not everyone with bad credit is approved. Your individual circumstances may not lend themselves to bad credit novated lease approval. If you are still bankrupt or still have huge amounts of debts, you’ll have to accept that receiving finance is really unlikely. However, if you have a list of things in your favour such as stable employment and reasonable credit, you’ll have much better odds.
So don’t get too excited just yet, but of course it’s worth a shot so conduct some research; get in touch and we’ll see what we can do for you today.
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