Creditplus @ www.creditplus.co.uk

Creditplus

Creditplus was established back in late 2003 and they later launched online in 2004 at www.creditplus.co.uk. This car finance broker brand that is part of Whichdeal Ltd is based in Poole (Dorset). They compare over 50 lending options with Moneybarn, Moneyway and Santander being examples of the financing companies used. The agreements available includes Hire Purchase, Lease Purchase and Personal Contract Purchase. It appears that HP is the only choice if you have a poor credit score. On the payment calculator provided you can select a car value between the amounts of £2500 and £50,000 and there is a repayment spread of 1 to 5 years.

With pricing, for a £10,000 sum over 4 years the charges were headed as £1000 (Excellent), £2480 (Good), £3560 (Fair) and £5240 (Poor). The APR span for these examples was set at 5.9%, 12.9%, 17.2% and 25.7%. If you have had defaults or a CCJ on your record then you will pay the highest rate and be placed on to the HP agreement (the most popular type). A customer area login and SSL are added to www.creditplus.co.uk that has been filled with very detailed content surrounding the service provided. For picking out a car you are handed with a few options.

You can go through your own local dealer or you can search thousands of used cars internally on the site. The complete backend is unclear, but a portion may relate to the VisitCars marketplace that is a division within the same Whichdeal Ltd group. This company is termed as Creditplus, but they are actually searched more as Credit Plus although the search tally difference isn’t significant. Their customer service times include Monday to Thursday at 9am to 7pm, Friday is 9am to 5.30pm and Saturday is 10am to 4pm. This experienced finance broker has developed their web presence well (in fact much better than most of their rivals).