CreditPlus Car Loans Review

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CreditPlus Car Loans
3.4 stars
Average rating for this product is: 3.4 out of 5

From 0 ratings and 45 reviews

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sunshineruthie's Review of CreditPlus Car Loans

1st Jun 2009

Overall Rating

5 stars
  • Value for money
    5 stars
  • Speed Of Loan
    5 stars
  • Payment Type
    Fixed Payments
  • Customer service
    5 stars
Good Points

Quick. Efficient. Clear Guidelines as to where you can puchase from and limits. No Deposit Required. Search market for best finance deal without lots of credit searches on your file because the staff really know what they are doing. A must use company in todays climate.


Bad Points

The Garages make money from selling finance so they try to pressure you into having finance from them. From my experience they search the same products as these guys, but from a more limited stock, so they can't get it cheaper. And it adds lots of credit searches to your file.


General Comments

Fantastic - Quick acceptance by CreditPlus Car Loans and assistance in finding a car. This is not one of those companies that gives high rate loans only or who tell you that you can only have a car from them.

It was really nice to know what my budget was when looking for a car rather than going into a garage and looking at cars which were outside my price range in terms of monthly price. The price that garages often quote is for the best credit ratings and those without this can find the monthly payments increasing substantially. Credit plus search based on your circumstances and provide you with an accurate monthly cost.

Doing it this way means you can go in and negotiate with dealers from a good base. It also avoids that horrible time where you sit there waiting to see whether you have been accepted in a packed showroom.

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NameCredit RatingAPRTypical APRMin Loan AmountMax Loan AmountHome Owner  
Alliance & LeicesterGood7.80%7.80%£7,500.00£14,950.00No
Nationwide LoansBad7.60%7.60%£7,500.00£14,999.00No
Sainsbury's LoansGood7.90%7.90%£7,500.00£15,000.00No