Credit Repair Programme

EVEN IF YOU HAVE HAD PROBLEMS BEING ACCEPTED FOR CAR FINANCE IN THE PAST, BLACK COUNTRY CAR FINANCE CAN HELP YOU BE SUCCESSFUL THIS TIME! WE WORK WITH YOU TO HELP BOOST YOUR CREDIT RATING SO THAT YOU’LL BE ON THE ROAD IN NO TIME.



Contact us

How It Works

Our Credit Repair Programme explained



5+ years

  • Unlimited value loans
  • All lender options
  • Low interest rates

Good/Excellent (451-750)

  • History of payments
  • No defaults
  • No CCJ’s

3-5 years

  • Up to £10,000 loans
  • More lender options
  • Improved interest rate

Average (251-450)

  • History of payments
  • Current account running smoothly
  • Some minor past problems

2-3 years

  • Up to £6,000
  • Guaranteed one option

Poor (151-250)

  • Some evidence of recovery
  • Proof paying accounts
  • Defaults
  • CCJ’s


3-6 months

  • Unique Hire 2 Buy
  • Credit Repair Builder

Bad (0-150)

  • Defaults, arrears and CCJ’s
  • IVA’s
  • Limited Credit
  • Poor evidence

No Lending Options



Here To Help


Our Credit Repair Programme can help you buy your next car even if you’ve been refused before!



Have a question? Contact a member of our team.

Our customer advisor will be happy to take your application over the phone.
(It’ll only take a couple of minutes!)


All scores, timescales and circumstances are indicative and for illustration purposes only.
Improvement in your credit position will be determined by your whole credit file and not your Hire 2 Buy or Car Finance HP Agreement alone.

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