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Can I get PCH with bad credit?

PCH agreements can be more challenging to obtain with poor credit, as you never build equity in the vehicle. However, we work with specialist lenders who may still consider your application - speak with us to find out more.

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Heaton Park Garage Ltd is authorised and regulated by the Financial Conduct Authority (FCA No 733528). Heaton Park Garage Ltd acts as a credit broker, not as a lender, for the introduction to a limited number of lenders. We have relationships with a number of lenders which could include preferential terms such as a requirement to submit an application to them first or exclusively. We may advise you on products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). For your reassurance, all the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required. Heaton Park Garage Ltd is an Appointed Representative of Ingeni Group Services Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 747381). Ingeni Group Services Ltd’s permissions as a Principal Firm allows Heaton Park Garage to act as an agent on behalf of the insurer for insurance distribution activities only. Should you be eligible for a balanced based APR the following thresholds apply; Loans up to £20,000 qualify for 12.2% and loans above £20,000 qualify for 9.9%. The commission paid to us by the lender will differ dependent upon the loan amount, the details of which will be disclosed to you prior to entering into any finance agreement.
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