Bad Credit Ford from MSG Cars
Don’t let having poor credit stop you from planning your latest Ford purchase – with MSG Cars we help customers each and every day with Bad Credit Ford Car Finance on New and Used motors upto 7 years old. There’s no restriction on what you can purchase in that we can fund a vehicle from any dealership with a forecourt so you are not forced to take a car or van that you don’t really like. Many sub prime car companies out there will offer you an approval but only provide you with a car from there limited stock list -often sub standard vehicles. With MSG Cars you can be rest assured that our consultants will work ‘for’ you not against you and offer expert advise on your car purchase or lease car deal- including Trade and Retails valuations.
Ford has been a firm favourite with UK motorists for a long time – with close ties and most models being built in here the United Kingdom. The love affair started with the old style Cortina and Granada and in the 80′s with the Sierra,Escort,Orion and Fiesta. Great advancements have taken place over the years and Ford now offer many stunning looking and highly advanced machines.
The line up now comprises the following models;
The Fiesta – the latest version of the small car is the best yet. It has taken the country by storm since its release and brings the model bang up to date with its modern looks and equipment.
The Focus is another well known car and is available in both 3 door and 5 dr including an estate option for those who require a little more room. You can feel the breeze in your hair with a Focus coupe cabriolet that takes the concept a little further with a great looking hard top convertible.
Those in need of more room and the ability to carry 7 people can opt for the Galaxy in a variety of trims and specs with the newest 4×4 option being the Kuga with its individual looks and mini SUV stance. The recently improved and modernised Mondeo has proven a popular choice with those who need a quality saloon and the order book was full for some time after launch. Finally there is the new KA which is Ford’s super mini with a real cool look and the people carrier Smax.
Having a motorsport heritage that produced such road greats as the Cosworth,Rs Turbo and RS2000 models it was inevitable that Ford would also have some HOT cars on offer. The Focus St has been a popular motor with our customers due to its high performance and sports syling.The Fiesta also followed suit with its 2.0St option and there is sure to be other products released throughout 2009.
Recently Ford have announced that new models will form part of a ‘Worldwide’ offering in that the exact same vehicles will be sold in all countries. In the past we have seen that different locations had completely different cars so that the Ford Focus sold in Europe was unknown in the United States and what they aim to do is offer the same motors to everyone. This can only be good news as the more units sold the greater the investment in the different models – greater stock levels and more standard equipment. What we have seen over the last few years also is the raising of the bar when it comes to the level of the standard features.
Currently Ford take up several of the top slots in the UK’s biggest selling vehicles so you rely on MSG Cars to offer a quick and easy service if you are looking for a company to fund your car when others have let you down. Why not look at the possibilities of a car leasing bad credit deal also and simply hand the motor back at the end of the contract?
Common FAQ’S for Non Prime Car Funding
I've just applied - now what?
You should have had an email from us outlining the process involved and contact information if you don’t have it. Your case will be instantly scored in our system and its likely we have a decision straight away. The case will be allocated to a vehicle consultant and they will usually be in touch within a few hours. You can expect to be contacted by our advanced system involving personal emails, Text messages and obviously on the telephone!
Ive found a car - now what?
If you haven’t already filled in an application you will need to do this first and then we will be able to find out if you are approved with our first choice lender that matches your case details. When that is in place your vehicle consultant will check through your information to make sure everything is accurate and that it wont cause any problems further down the chain. Copies of your identification need to be sent in and obviously the names must match what you have put on your form unless you have been married and in that case we might need the marriage certificate. You wage slips or bank statements are checked to see your salary and your drivers licence needs to be verified to make sure it is valid also. This takes us no time at all so while this is going on behind the scenes your finance agreement will be emailed to you to sign and return. The dealership will be contact too and this allows us to locate their bank details to pay for the car along with an invoice. At this point it usually takes 24 hours to complete – job done!
What do i need to provide?
With all applications you will need a Full UK passport that is valid or if this isn’t available we will need a copy of your birth certificate. The name that is on the identification needs to match that on the application form completed.
You will also need to provide two months payslips or bank statements to support your proof of income.
How long does the Process take?
The clock starts as soon as you hit send on the application form on our website and you can be assured of a quick turnaround. The great majority of customers will receive a decision Instantly with the rest within the hour and so there is no waiting days for someone to come back to you. As soon as you have then picked your new vehicle and are happy with the price we can issue your finance or lease documents for you to sign and return. All that is required then is for us to send the dealership the funds and away you go in your new motor!
Do i have to pay a deposit?
With all of our current Car Leasing and outright Finance lenders you will have to contribute some form of deposit or initial payment – either by way of cash or your existing car as part exchange. This amount on most cases works out at around four times the monthly repayment amount as a minimum but on applications with a better credit score we can offer a reduced amount of £600. The higher the deposit amount though – the lower your monthly payment will be!
What cars can i have?
We can fund any car on finance providing it is purchased from a dealership and has less than 70,000 miles on the clock. It can be no older than 7 years in age either and we do prefer customers to use garages that have a decent forecourt with at least 10 cars for sale. It is just the same process if you were a cash buyer so even if your local dealer has declined your application we can make sure you still get the car you want.
I was made Bankrupt - can you help?
In the eyes of the right type of lender and Bankruptcy will usually mean that a person has no outgoings other than rent and essentials and so has a clean slate as far as credit is concerned. This means that they are much more likely to be able to afford repayments – even when compared to someone with perfect credit but lots of obligations such as Mortgage, Bank Loan, Car finance and Credit Cards! Our lenders will consider all discharged Bankrupts.
