Every credit situation — through lenders who say yes when others do not
If your credit is bruised, you have probably been turned down somewhere already. That is not the end of the conversation here. Friendly Motor Group arranges financing through outside lending partners who work with damaged credit, past repossessions, bankruptcy and first-time buyers with no history at all.
We are not a buy-here-pay-here lot. Your loan comes from a real lender and reports to the credit bureaus, which means every on-time payment is doing double duty — putting you in a car and rebuilding your file.
Repossession, charge-offs, collections or a bankruptcy behind you — our lending partners look at the whole picture, not just the score.
First-time buyer programmes exist precisely for a thin file. Proof of income and a licence are the usual starting points.
Strong file? You should be getting the sharpest rate available. We shop it rather than assuming.
Lenders weigh four things far more than most people expect: income and how long you have had it, how much you put down, the vehicle itself (its age, mileage and value against the loan), and only then your credit history. That is why two people with identical scores get different answers — and why it is worth applying even if you have been declined before.
Yes. Friendly Motor Group works with lending partners who specialise in damaged credit, past repossessions, bankruptcy and thin files. Credit history is one input among several — income, time on the job and down payment all count. Apply online and most people hear back the same day.
Yes. Having no credit is different from having bad credit, and several of our lending partners have first-time-buyer programmes built for exactly that. Proof of income and a valid licence are the usual starting points.
Submitting the application lets us and our lending partners review your credit, which is a hard inquiry when a lender pulls it. Browsing our inventory and getting an idea of payments does not affect your score at all.
No. We arrange financing through outside lending partners rather than carrying the loan ourselves. That usually means a real auto loan that reports to the credit bureaus, so paying it on time helps rebuild your credit.
A valid driver licence, proof of income such as recent pay stubs, proof of residence, and proof of insurance before you drive away. A co-applicant can help if your own file is thin.
