ste_p23
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Registered: 29th Dec 08
Location: Hindley,Wigan
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It to be before you hear back from a car dealer whether you have been approved for finance?
Ive been told at vauxhall one day but various other people have said upto 10 days.
Ive had a look at my credit rating online today and there has been no intrest from GMAC (the Vauxhall credit people)
So how long would you expect it to be as i have a funny feeling the sales man really wasnt taking me seriously
Any help would be good
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leon.
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Registered: 24th Jun 08
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right away normally the decision is normally instant is weather they have actually put it through when they say they do thats why i waited while they put mine through for a car
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ste_p23
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Registered: 29th Dec 08
Location: Hindley,Wigan
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How long did you wait mate?
[Edited on 05-08-2010 by ste_p23]
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leon.
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Registered: 24th Jun 08
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15 mins
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ste_p23
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Registered: 29th Dec 08
Location: Hindley,Wigan
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quote:
Originally posted by leon.
15 mins
Think ill give it till after the weekend then and if nothing ill nip to a different Vauxhall garage
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leon.
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Registered: 24th Jun 08
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if your young and don't have any history or you have bad history they will take longer as they will have to look into you abit more, But you might get asked for a guarantor
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ste_p23
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Registered: 29th Dec 08
Location: Hindley,Wigan
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I thought that mate but ive ordered a copy of my credit rating and i had 950 points out of 1000 which makes my credit rating almost as good as can be so im now starting to think the lazy badger hasnt done the paper work
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Cole
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Registered: 11th Nov 02
Location: eastbourne Drives:zafira sold now a qashqai
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i would also agree with the 15mins or if they are online which most are these days instantly
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
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with both my astras it took 2 days to find out
E36 328
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shaunmods
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Registered: 12th Mar 07
Location: Glascote, Staffordshire
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In my experience its usually an hour or two at the very most if its a nice straight forward one. Its depends on the broker really but I've never known it to be 10 days though  Mind you, if they have to try a few companies to get you accepted it will take longer. Chase up the salesman mate
[Edited on 05-08-2010 by shaunmods]
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leon.
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Registered: 24th Jun 08
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quote:
Originally posted by ste_p23
I thought that mate but ive ordered a copy of my credit rating and i had 950 points out of 1000 which makes my credit rating almost as good as can be so im now starting to think the lazy badger hasnt done the paper work
have you had credit before?
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leon.
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Registered: 24th Jun 08
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and make sure you cancel that credit expert shit or you'll be getting charged after your free period
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ste_p23
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Registered: 29th Dec 08
Location: Hindley,Wigan
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Yea ive had credit before mate and it was just a one off payment for my credit report not one of them annual crap ones.
And i was thinking of chasing the sales man shaun but i dont see why i should have to chase him to give them 8k of my cash surely im not nuts thinking it should be the other way round?
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leon.
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Registered: 24th Jun 08
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nah mate he sounds like a prick if he doesn't want the commission im sure there are lots of other sales men that would!
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ste_p23
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Registered: 29th Dec 08
Location: Hindley,Wigan
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quote:
Originally posted by leon.
nah mate he sounds like a prick if he doesn't want the commission im sure there are lots of other sales men that would!
Thats what i was thinking mate! Ill give it till monday/tuesday and if ive heard nothing ill go else where
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leon.
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Registered: 24th Jun 08
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what i would do just to avoid another credit check. Ring him and see what he says it might of slipped his mind or if he still hasn't put the check through go somewhere else.
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ste_p23
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Registered: 29th Dec 08
Location: Hindley,Wigan
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quote:
Originally posted by leon.
what i would do just to avoid another credit check. Ring him and see what he says it might of slipped his mind or if he still hasn't put the check through go somewhere else.
Yea cheers mate i'll pop in before work and have a word
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barter
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Registered: 27th Oct 07
Location: essex
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quote:
Originally posted by ste_p23
Ive had a look at my credit rating online today and there has been no intrest from GMAC (the Vauxhall credit people)
how do you check your credit rating online,im intrested in checking mine out
and on topic i wouldnt chase him mate,id go to a differnt salesman.
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leon.
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Registered: 24th Jun 08
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yes but to the credit people seeing 2 check in a short period isnt a good thing
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ste_p23
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Registered: 29th Dec 08
Location: Hindley,Wigan
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quote:
Originally posted by barter
quote:
Originally posted by ste_p23
Ive had a look at my credit rating online today and there has been no intrest from GMAC (the Vauxhall credit people)
how do you check your credit rating online,im intrested in checking mine out
and on topic i wouldnt chase him mate,id go to a differnt salesman.
Go to www.annualcreditreport.co.uk and its £7.50 for unlimited acsess for 12 months at a premium service
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nathy_87
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Registered: 14th Aug 08
Location: West Mids. Drives: koda Fabia VRS 5J
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Usually they do it there and then right in front of you. That's what happend to me the last few times.
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ste_p23
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Registered: 29th Dec 08
Location: Hindley,Wigan
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quote:
Originally posted by 5dr corsa-3dr_polo
Usually they do it there and then right in front of you. That's what happend to me the last few times.
More and more i read the reply's im starting to think i just picked the lazy sales man and his face when i told him i didnt wana spend 14k on a brand new corsa as they arent worth that was quite funny
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whitter45
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Registered: 15th Nov 02
Location: Norton
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sounds to me as there are some difficulties
it wont be a case of not being arsed
At the end of the day your buying a cra - on their finance so they double commision
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nathy_87
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Registered: 14th Aug 08
Location: West Mids. Drives: koda Fabia VRS 5J
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Have a look at bank loans might be cheaper to pay off each month for you if that's anything bothering you?
Edit: Unless he fobbed you off with that excuse because he though you were fucking around?
[Edited on 05-08-2010 by 5dr corsa-3dr_polo]
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ste_p23
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Registered: 29th Dec 08
Location: Hindley,Wigan
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Its not the amount or anything mate ive got about 6k saved up for a new car so i wanted to get the new Corsa D on a lease hold for 3yrs.
It works out £610 deposit and £210 a month which i can afford even though i only work part time and take home about £600 per month which gives me enough to pay for it for 28 months out of the 36 at the moment.
He asked me if i wanted to buy it and he was insistant i take it over 5 years on 0% finance which i didnt want.
I told him i could even put 2-3k deposit down if there where any issues and i got a look to say "yea course you can" but without him physically saying it
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