Carlyle Finance can offer you with the advice you need to help you find the right car loan for your needs. Buying a new car can be an expensive task. Car loans can help bridge the gap in your finances to make sure you can afford the car you need. However, there are so many options available you may feel overwhelmed. Carlyle Finance has over forty years worth of experience in the industry and can help to guide you through the many choices available to finance a car. Buying a new car need not be a drain on your finances if you choose the right option for your individual circumstances. Carlyle Finance offer professional, practical advice to make sure you buy the right car for both your needs and your budget.
Credit Loan Advisor
With Carlyle Finance you have access to a Credit Loan Advisor service. This will provide you with instant advice on the finance options available to you when it comes to funding the purchase of your new car. This service will help you to quickly and easily compare the pros and cons of each finance option from dealer agreements through to personal savings, to ensure that you can make an informed decision about your credit options.
Benefits of Dealer Finance
If you are interested in dealer finance then Carlyle Finance has relationships across the entire dealer market who will be able to help you find a competitive package to suit your needs. Dealer finance is convenient and available from your local showrooms. This means you will not have to spend hours searching around and contacting lenders for finance options. Dealer finance is also �motor focused’ and this means you will get the expertise and specialist credit and insurance support to ensure you get the best deals available.
Carlyle Finance services are convenient, quick and easy to use. You could usually get an answer within as little as 30 minutes and this could see you driving away the car you want on the same day, subject to underwriting. There is no waiting around for lenders to come back to you or spending hours trying to navigate your way through call centres to get to the person you need to speak to. This means if you see the car you like, you do not have to worry about it being sold whilst you try and sort out finance.
Unlike a personal loan, if you take out dealer credit products through Carlyle Finance, you will be provided with an aftercare service. This means that if you are unhappy with the car you have bought Carlyle Finance will work with both you and the dealer to find a satisfactory resolution. Dealer finance also offers high levels of consumer protection, so that you can be sure your finances will be safeguarded and your needs met.
Our wants are unlimited .But still we feel like buying things even if we do not have sufficient cash. Have you got tired of your old car and thinking of purchasing a new one? Still there is confusion for you .Should I buy a new car? Instead of getting confused just think of car loan which can help you and satisfy your needs of buying a good-looking car for your self.
Applying for a finance can not only help you in pursuing a new car ,but can also help you in paying all your pending bills and all the expenses which are to be paid .This car loan can offer you all the benefits of secured loan .Since the rates are low the monthly installments in addition are low.
Loans for cars are secured in nature. The borrower will have to place his property or asset as collateral .The rate of interest is lower as compared to the unsecured loan. You can get quick cash as there is no faxing and les paperwork is done. An individual with bad credit history can also apply for this type of finance.
The disadvantage of secured credit is that, if the borrower does not repay the loan amount on time then, his property will be under risk.
�The person should be 18 years of age.
�The person should be the citizen of UK.
�The person should have his own and current bank account.
�The persons salary should be minimum of 1000
The online procedure is very simple .you just have to sit on your computer and complete the online procedure .you have to fill in the information correctly .the online procedure reduces paper work .and also make the procedure easy and simple .as well as it not time consuming.
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Over recent years finance for both new and used cars has been in decline. Purchasing a car on finance through dealers to 31/10/09 fell by 17% (new cars) and by 16% for used cars (FLA). PoS finance falls over recent years has been in stark contrast to the growth achieved by personal loan lenders, until the credit crunch. Last year the whole situation changed dramatically as the credit crunch bit hard. A number of personal loan providers exited the market altogether, others consolidated and virtually all severely restricted the availability of loans, with most High St lenders only prepared to lend to existing customers.
The point of sale market was not immune from the realities of the credit crunch, but buying a car on finance from a dealership remained available, albeit the number of lenders also reduced, however some organisations have thrived and to the forefront has been Carlyle Finance which recorded growth of over 60% over the last year, working with more dealers than ever before and demonstrating that finance was very much available. Sadly many dealers seemed to have overlooked the opportunity offered by finance based upon the fall in finance sales � the good news is that this opportunity is still there!
- An opportunity missed
- M & S reported that the car scrappage scheme doubled both the volume and value of personal loans approved by M&S Money over the summer of 2009. (31/03/10)
- An opportunity to seize
- The Bank of England reports that personal loans providers will look to secure “better quality” borrowers in the upcoming quarter, it was suggested. The Bank of England’s latest three-month lending report suggested that companies will continue to tighten credit scoring for unsecured borrowing over the course of the year (Bank of England 01/04/10)
- Lenders are focused on their existing customer base rather than on attracting new borrowers (Datamonitor 02/10)
- One in four people in Britain will be looking to purchase a car with the help of an unsecured loan in the next six months. 7.56 million people are expecting to buy a new car between March and August, a rise of 47% from the previous six-month period and 24% of those buyers will be looking to finance at least part of the transaction on credit (Sainsbury Loans 31/03/10)
- The market for personal loans continued to decline in 2008 and 2009. Demand for new personal loans receded throughout 2009 as a result of the economic downturn (please note this may in fact have been more accurately described as �supply for personal loans receded throughout 2009) with the BBA revealing that 13 consecutive months of declines were recorded up to and including the final month of 2009. (Datamonitor 02/10)
Purchasing a car on finance through a dealership has to be seen as being very much OPEN FOR BUSINESS � with every opportunity used to promote finance to every customer; both to inform buyers that they may be able to borrow the money to buy their ideal car (counter to the negative press coverage surrounding personal loans) and to develop F & I as a profit centre.