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  • Get your credit in check just in time for the 65 plate!
  • 28 August 2015
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    Get your credit in check just in time for the 65 plate!

    As the September plate change gets closer and closer, many car buyers are counting down the days until they can get their hands on a new 65 plate...

As the September plate change gets closer and closer, many car buyers are counting down the days until they can get their hands on a new 65 plate model to swap for their old car and drive away something new and exciting from the 1st September. But most buyers often forget the practical elements of buying a new car on finance and the measures they can take to ensure a hassle free buying experience.

Last year, 75% of new car purchases were made using some sort of finance with car dealers conducting numerous checks before they agree to the loan to ensure the buyer can meet the finance agreement.

It may seem obvious, but check your credit report and score before applying for finance. Even if your credit history is good and you’ve had no financial problems, check your score to ensure the garage has an accurate reflection on your financial situation.  If you have existing credit agreements, try to pay more than the monthly minimum so the garage will see that you are fully committed to the agreement and understand how interest rates work. Try and settle any debts that could be lingering and bringing your credit score down.

Correcting errors on your credit report can also help any problems that may arise. Not all information held by credit companies is 100% correct and small errors such as incorrect addresses may look like false information and can look bad on your behalf. This can also be prevented by registering on your local electoral roll; this is a common check that is conducted by garages to confirm your identity and your address to ensure the information you are giving them is in fact correct.

Do not be tempted to provide false information to better your chance of the finance being approved. Any false statements will be picked up on eventually which could result in you being blacklisted and can cause more financial problems further down the line. Equally, ensure that the garage do not alter your information on your behalf. You have the right to see what information is being submitted to the finance company for your application.


After all this preparation and when you are feeling confident and ready that your application will be approved, make sure you read all of the paperwork thoroughly to make sure you know exactly what you are signing up for. Make sure you understand how much you are paying upfront, what you are paying in monthly repayments, the interest rate and the amount you will be paying overall. You have the right, and obligation, to read and understand all of the paperwork even if this means taking it home to read in your own time before you decide.

65 Plate Credit Check AdviceFinally, ask! If you have any questions regarding finance or credit, don’t be afraid to ask the relevant person or organisation for some help. By clearing up any queries before you get to the garage, this will ensure that the whole process will go smoothly and you will drive away in your new 65 plate car knowing exactly what you are paying and what you have agreed to.

 Stay up to date with all the brand new 65 plate offers we will have in stock by liking our page on Facebook, or come in to one of our dealerships and see what we have on order that could have your name on it!

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  • Howard Garages (Weston) Ltd is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Howard Garages (Weston) Ltd to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only.

    We can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.