With access to 14 different lenders, Charles Hurst is able to find the terms which best suit a customer’s particular credit profile. Our ‘soft search’ technology protects a customer’s credit rating and saves our customers having to ‘shop around’ making multiple credit applications. This is a quick and very convenient service, free of charge and with no obligation quotes.

Here is how our online finance facility works

• Complete the brief online application to receive an instant decision at any time of day or night
• One of our customer services team will be happy to answer any queries you may have
• Obtain a credit limit that suits your ideal monthly budget
• Visit the dealership to test drive a selection of cars that you already know are affordable

Anyone can apply provided you

• Are aged 22 or over
• Hold a full UK provisional or full licence
• Are currently employed or self-employed earning in excess of £850 per month (after tax)
• Have been resident in the UK for over three years

Credit Rating Explained

A lender will tend to judge your finance application based on two key areas :

• how you have paid credit in the past (i.e. your ‘credit history’)

• your overall current ‘profile’ (i.e. how long you have been at your address and how long you have been in your current job etc.)

The lender will then combine these two elements to create an overall ‘credit score’ or ‘credit rating’ for you as a potential customer.
With access to 14 lenders, we are therefore able to cater for most credit statuses