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Get the car you want

With a no obligation finance quote

tick All circumstances considered

tick No deposit required

tick No broker fees

tick Buy any car

tick Fast decision

This won’t affect your credit score

Get the car you want

With a no obligation finance quote

tick All circumstances considered

tick No deposit required

tick No broker fees

tick Buy any car

tick Fast decision

This won’t effect your credit score

Why Choose
Tailor Made Car Finance?

Cut out the hassle

Simply complete
an online application

Tell us about yourself and how much you’re looking to borrow.  You’ll get a quick decision and one of our friendly advisors will be in touch.

Buy with

Now you know your budget, we’ll start the search for you and with access to over 100,000 cars, we’ll find your perfect car, even if you have poor credit.

Take delivery and
drive away your new car

Once the lender has completed their checks and when you're approved, we’ll pay for the car and even deliver it to your door, free of charge!

Apply online today, it’s a simple process and won’t affect your credit score.

Our customers trust us to tailor make their car finance. Check out all our 5 star reviews on Feefo and Google.

Q. Do I need a credit check?
A. The plain and direct answer is “yes”. That applies to car finance or typically any other form of borrowing you’re considering.
Q. Why is a credit check required?
A. Potential lenders have a professional responsibility to try and confirm that a borrower:

  1. Can afford the car loan they’re requesting, in terms of their current income/outgoings;
  2. Is someone who constitutes an acceptable degree of risk in the context of maintaining repayment of the car loan once advanced.

The second of those two objectives is usually dealt with, in large part, by a credit history reference check (sometimes also called a “credit check” or “credit score check”).
That process usually entails a potential lender contacting one of several large credit reference agencies who maintain information about large parts of your financial behaviours. That information includes things such as any IVAs or CCJs registered against you, late payments you might have made on your credit card bills, loans you’ve applied for and so on.
It also contains positive information about your financial history, such as loans you’ve successfully paid off on schedule.
The central agencies will use all that information to create a “credit score” for you. That indicates their view of how high or low the risks would be in lending to you.

Q. What lenders do with that information?
A. Your credit score is used for a number of purposes but perhaps the two best known are:

  • to assess whether or not to lend to you. Some lenders won’t advance funds to applicants with poor credit histories;
  • at times, to calculate the cost of your borrowing (typically their interest rate) if they are going to lend to you. Generally speaking, the poorer your credit score, the more difficulty you might have in finding finance and the more you may have to pay for it when advanced.

The Loan Application Problem
It’s worth noting that every time you apply for a loan, even if you decide not to progress it, the fact you made the application will be recorded on your credit history files. Every time you’re refused a loan, that fact will be similarly noted.
This is important because the more refused finance you have on your records, the more that might negatively affect your overall credit score. That might make it even harder for you to obtain a loan in future.
The clear message here is that if you’re looking for a car loan or self-employed car finance (or if you believe you have a poor credit history) it typically isn’t advisable to make lots of random loan applications to see what happens! This will make you look financially desperate to any other prospective lenders.

Q. How can Tailor Made Car Finance help
A. At Tailor Made Car Finance, we perform what we call a “soft credit check” in advance of your formal loan application.
This essentially involves checking your credit history references but NOT in the context of a loan application. This means that nothing is updated on the central credit reference databases because no application has been made.
This is exceptionally important because once we have that understanding of your credit status we will be better positioned to identify those car finance lenders who will be most likely to offer a favourable response to your car loan request. That helps to protect your credit history files, saves you time and improves the likelihood of a successful loan application.
Please don’t think that having a poor credit history means that you’re shut out of car finance options. Let Tailor Made car Finance, cut out the hassle and work with you to find a solution, using our soft credit check as a starting point.
Q. How can I improve my credit score?
A. Improve your credit score
If you've been turned down for credit a few times recently, it could well be the case that the information on your credit file is such that lenders judge you to be an unacceptable risk. Unfortunately, desperately applying to more and more lenders in the hope that one will accept you can just make things worse; credit searches show on your credit file and too many may lead lenders to believe you are just desperate for cash. To start improving your credit score, take a look at the following suggestions:

  • Get hold of a copy of your credit report. Experian and Equifax are the two credit agencies used by most lenders, with Call Credit the third most popular. These companies will all provide you with a copy on request, although you may need to pay.
  • Check that the basic information on the report is correct. Simple clerical errors such as the wrong address or an incorrectly spelled name can cause all sorts of problems. If you see anything wrong, ask to have it corrected.
  • Clear any defaults or make arrangements with your lenders. If you are owing money on a bill and it's appeared on your credit record as a default, the best thing to do is pay it off in full. If that's not possible, make an arrangement with your creditor to pay it off in a manageable manner. If you have lots of defaults or aren't quite sure how to go about offering your creditors a repayment plan, organisations such as StepChange or the Citizen's Advice Bureau offers free advice and support.

Once you have completed the above, recheck your credit score to note the improvements (it may take two or three months for the credit information to be updated, so be patient). Subsequently, try to take out credit again – ideally a very small amount with a lender that specialises in sub-prime lending. PAY THIS OFF ON TIME. Provided you make all your repayments on time, you will be starting to build up a positive credit profile. If, having successfully paid off one lot of credit, you then apply for another, it's more likely a lender will agree, as you're beginning to show that you can stick to a repayment schedule

Q. Why don't Tailor Made Car Finance charge any fees?
A. Tailor Made Car Fiannce is a broker, not a lender, so any charges we incur are covered by the fees we receive from the lenders for arranging your car finance with them. This means we can offer our services to you totally free of charge.

Tailor Made Car Finance is authorised and regulated by the Financial Conduct Authority (FRN No. 822703) Tailor Made Car Finance is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances. Tailor Made Car Finance LTD, Unit 6, Feltimores Park, Chalk Lane, Harlow, Essex, CM17 0PF



Opening Hours:
Monday to Friday: 8am to 8pm
Saturday: 9am to 5pm

Sunday: Closed

01279 260363


Jacks Yard, The Street, Sheering, Essex, CM22 7LX

‘Tailor Made Car Finance’ is a Trading Style of ‘Oakleigh Cars Ltd’ Incorporated and registered in England and Wales. Company Number 10688399. Registered Office: Jacks Yard, The Street, Sheering, Essex, CM22 7LX. Email: info@oakleighcars.co.uk. Telephone: 01279 260363.
Oakleigh Cars Ltd is regulated by the Financial Conduct Authority. Registered Number 822703.
Oakleigh Cars Limited is a credit broker, not a lender. Oakleigh Cars Limited is authorised and regulated by the Financial Conduct Authority,  All finance is subject to status and income.

Your vehicle may be repossessed if you do not keep up the repayments.

Tailor Made Car Finance Loans are applicable to UK residents only. Calls may be monitored or recorded.

Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. Certain exclusions for NI residents. Tailor Made Car Finance can introduce you to a limited number of finance providers based on your credit rating and we may receive a commission for such introductions. Written quotation on request.

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© Copyright 2020 Oakleigh Cars Ltd

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