Emma Hoyland

The Car Finance Company (2007) Limited

The Car Finance Company was created in 2007 for one simple reason; to help provide finance to those with impaired credit. The Car Finance Company understand anyone could have problems getting credit via traditional banks (often through no fault of their own). The core focus is ethical and responsible lending and putting the customer's interest at the heart of every decision made. The Car Finance Company's credit assessment process considers any extenuating circumstances such as a poor credit history, self-employment or income from benefits and view customers as an individual, not just a number. The company motto is "We care about your future, not your past". This is more than just a marketing slogan; it is a company-wide mantra that has been installed to make sure customers are never judged solely on their credit history. Instead, decisions are based on whether the repayment schedule will be manageable for the customer and their current financial situation. To check the decision, face to face meetings are held with all of the customers before they take delivery of the car. This is to ensure they understand the basis of the loan and confirm that they can afford the loan repayments. The Car Finance Company ensures that customers always feel valued and have found the best way to do this is to be as open and honest with them regarding any of the terms, conditions and interest rates. TCFC does not upsell or cross sell products and customers receive the best rates possible based on their current financial situation. Since 2007, TCFC have provided loans for over 80,000 hardworking people who have been denied access to mainstream credit.