Black horse car finance how flexible are they?

frankaai

Ive applied for car finance with black horse because thats who the car dealer uses, its for 11 grand and i can put down £1000 deposit, i'm just awaiting my fate on Monday, i do not owe anybody money i'm debt free, i only have phone contracts etc, I logged onto my experian today and my credit score is excellent but i have 3 defaults all under 200 pounds, they are all paid, one hasnt been updated since last april it states i still owe 160 pounds but it was definately paid off because i done a deal with the company, they defaulted in 2010, i'm assuming il be rejected because of this?

Poppops

I wouldn't assume that with Black Horse. I got a car with HP from them years ago when I was in trouble and desperately needed a vehicle.

frankaai

did you have any defaults?

Apples2

How much are you prepared to pay for the car?

Poppops

frankaai wrote: »

did you have any defaults?

I did. And a lot of credit at the time. I would never have considered another loan except I was required to travel for work and needed something reliable.

I found them to be really good. In my experience, if you keep your account in good order, they encourage you to contact them periodically to discuss your account and consider reducing your interest rate. They reduced mine every year.