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Will I be charged for over payments?
No, if you would like to pay part or all of the money off there are no charges and you will not pay the interest on the rest of the term.
Should I opt for a three year (36m) or a five year (60m)
If you opt for a 36 month agreement then you will have to pay back all of the money and the interest within the 3 year period. If you opt for a 5 year term then you can opt to to pay back your loan at any time within the 5 year period (you can of course pay back a 36 month loan in less time) and there are NO fees for doing so and you only pay back the amount of interest to the day that you have gotten to in your term.
Have you got a few CCJ's or a court order, late payments and defaults and you're struggling to get credit for your new car...we can often help in getting you credit, but also we can help you to repair your credit rating. Having a car ion loan is a harder load to get than a lot of other types of loan because you're purchasing a moveable asset, so you could get finance and then take the car out of the country and the loan company would loose their money. So once you have secured yourself a car loan keep up the payments, don't miss any payments and your credit will be on the road to recovery.
I have negative equity
If you have negative equity in your current vehicle do not worry we can settle this for you ready for you to move on to your new car.