Tell us as soon as possible if your card has been lost or stolen, or if you know or suspect someone is misusing your confidential information e.g.Take care of any cards, PINs, online log-in details and other security information to help prevent fraud and help us to protect your accounts.We ask you to think carefully about whether you can afford to repay the money you want to borrow and to be open in your dealings with us.We will seek to understand your overall circumstances, try and identify options that you can afford and where appropriate, provide a reference to free debt advice. We will always aim to help you if we see, or you tell us, that you are having trouble financially.If you tell us about any inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right.We will treat you fairly and reasonably at all times and make sure that you are provided with a high level of service.We will endeavour to make sure our products and services offer, wherever possible, the flexibility to meet your needs.We will provide you with information about our products and services and how they work, in a clear and understandable way, so that you can decide what’s best for you and your needs.We will lend responsibly and aim to provide a product that is affordable for you.This note sets out some of our key responsibilities and what we ask of you, to ensure that the relationship works well for both of us. Representative Example: Borrowing £7,500 over 48 months with a representative APR of 21.4% the amount payable would be £226 a month, with a total cost of credit of £3,369 and a total amount payable of £10,869.As a lender, we have a responsibility to act fairly and as part of this we have committed to follow the Standards of Lending Practice. The rate you are offered will depend on your individual circumstances. Any monthly payment amounts you may be offered will be subject to your individual circumstances and the vehicle specifics. The above monthly payment examples reflect the average monthly payments across each of these vehicles which were financed via Zuto between January 2023 and May 2023. Based on the borrowing amount of £11,532. Large car: Volkswagen Tiguan £344 per month. Small car: Volkswagen Polo £223 per month. While the average cost of car finance can vary from person to person, affected by things such as the size of deposits, your credit score and the car’s actual value, this is an illustration of the typical average finance for different vehicle types. Call us on 01625 619 944 or use our contact form to request a call-back. Talk to our team – we have a team dedicated to helping our customers, from finding the right car finance product for you to helping you pick a car.We’re also AutoTrader’s official car finance partner. Search for a car to buy – we work with an approved list of trusted dealerships across the UK so you can search for over 30,000 vehicles in your MyZuto account area after you’ve applied.We work with a number of lenders who offer bad credit car finance. Read our advice on how to improve your credit score – it can be as simple as registering on the electoral roll. Improve your credit score – even if you have a low credit score, lenders are often still able to help you.Using our finance calculator, car loans are made straightforward. Find out more about car finance – we have loads of information about the different car finance options, as well as details on the most popular types, including HP car finance and PCP finance.Now that you know how much you might be able to borrow, the next steps are up to you. If you don’t know your credit score, you can find it out for free using various companies such as Experian or ClearScore. Our car finance calculator will factor this in when working out what you can afford. An excellent rating can result in a lower rate being offered, while a bad credit score could mean you’re offered a high rate which will make your repayments higher. Your credit rating can affect the rate you’re offered by a lender. Have a play with the slider on our calculator and you’ll see how much you’re payments will be each month. However by opting for a longer repayment period, you’re total repayments will be more due to interest. If you choose to spread your car finance over a longer period, it can make your monthly repayments lower. By putting down a deposit using a lump sum, you can pay less each month for your car finance repayments. If you know what you can afford each month, put this as your monthly budget. Our user-friendly tool only needs to know three pieces of information: Our car finance calculator is a simple way to find out how much you might be able to spend on a car.
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |