Bad Credit Mini from MSG Cars
You might be looking for a Mini on a car finance bad credit plan or perhaps a Lease or Contract Hire deal. At MSG Cars we have it covered and that means ALL credit ratings including those that are at a stage where mainstream companies refuse to deal with you. We are experts in the field and fully aware that mistakes or problems made upto 6 years ago can effect your chances of being approved for the very best rates. The great panel of Non Prime funders that we work alongside have underwriting systems to include those with low credit ratings and not simply cut them out of the market. Each and every day we supply Approvals to customers who had all but give up on the thought of driving a new Mini car and especially being able to pick their own vehicle.
When asked to name an iconic British car the answer you would normally get would be Mini due to its cult status around the world and cute cheeky appeal. Now that BMW are at the reigns the approach is much more clinical and sales of the latest Mini has certainly flourished. Available in several options including ; One,Cooper,Cooper S,Clubman and Convertible and with an option list that offers over 1 billion different combinations you can be sure to get the car you are looking for. Recently voted What car? Hot hatch of the year the Cooper S sure offers plenty of thrills in a small package. Style wise the s model has twin rear tailpipes centrally mounted to let those who are behind know its sporty nature, other features include roof spoiler, side sills, chrome fuel cap, part cloth/leather interior, stainless steel pedals, bonnet vent and hexagonal grille. The new turbo engine puts out 175 hp at 5500 rpm with a top speed of 140 mph so you can be reset assured that if the need arises there’s plenty available under the bonnet. A recent addition to Mini’s models is the Clubman version which offers the practicality of the Mini combined with a small estate. This is available in a number of engine sizes and trims such as the Cooper and Cooper-s and available to fully spec up with many options and accessories. The appeal of the Mini is the fact that you can personalise your vehicle with items such as roof sticker, bonnet stripes, alloys, interior trim and even key fob.
With more models now available for Car Leasing Mini fans such as the Coupe, Countryman and with more to come there has never been a better time to look to invest in a new set of wheels. With Mini also having one of the lowest depreciation rates in the whole market its possible to avoid the pitfalls of motoring – even if you are set to pay a slightly higher amount due to poor credit. MSG Cars experienced vehicle consultants are also here to help you each and every step of the way upto the day you drive away in your new motor. If you having difficulty in finding a good deal on your ideal Mini please let us know and we can assist in your search at no cost to yourself. We pride ourselves on making sure our customers get the very best deals available and can offer support and advice using the very latest industry valuations. Don’t let previous refusals put you off as this is all we deal with and take great pride in being able to offer customers that second chance they deserve – read our reviews for more information.
Common FAQ’S for Non Prime Car Funding
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.
How long are the contracts for?
With both Contract Hire deals and also the Car Finance option we can provide customers with terms from one to five years in length. This allows you to either spread the cost of your purchase over a greater period and so push the price down or also repay the amount in as short a time frame as possible. Car Leasing deals can be fixed for a number of year also meaning that you don’t need to worry about changing your vehicle until it is a little older and you are ready for something new. With Sub Prime finance you have the same flexibility that you would find with any mainstream lender.
