Finance FAQ

Can I get Car Finance with Bad Credit?

Even if you don’t have a great credit file or have experienced problems in the past, you could still be eligible for car finance through our lenders. We work with finance partners who are happy to lend based on what people can afford now, rather than what’s happened in the past.  

The best way to find out whether you can get credit with us is to start the application process. Applying doesn’t commit you to anything. We’ll see what’s possible and talk to you about what you can reasonably afford, so you don’t run the risk of further problems. There’s no need to feel anxious about talking about your financial situation. Lots of our customers have struggled with debt in the past, and our team are here to help you, not to judge you. They understand there are all sorts of reasons why people have had money problems.

Does applying affect my credit rating?

When you first apply, we do a ‘soft search’ on your credit history. Other lenders can’t see this. If it’s obvious we can’t help you, we won’t pass your application to a lender, and your credit profile won’t be affected.

If we believe you might be accepted by one of our lenders, we’ll pass your application to the lender we believe best suits your circumstances. They’ll then do a ‘hard search’, which is recorded on your credit profile. On average, two recorded hard searches are likely to be done during the process.

It’s important you give us accurate information, so we can match you with the most appropriate lender. If you don’t, your application could go to a lender who wouldn’t consider someone in your circumstances. This would mean unnecessary credit searches and refusals being recorded on your profile.

I am self-employed-Can I get finance?

Yes, being self-employed doesn't stop us finding you a great car finance deal. Just give us a call or apply on line.

I have CCJ's and Defaults-Can I get finance?

Yes. Everyday we help customers who have been turned down by other lenders. Our acceptance rate is one of the best.

I have been made bankrupt-Can I get finance?

Yes. Everyday we help customers who have been turned down by other lenders. Our acceptance rate is one of the best.

How long does it take to get a decision?

We will process your application on the same day and give you a decision.

How much can I borrow?

Your credit limit takes into account a number of things, such as your credit history, income, electoral role or referees. We find for the majority of our customers we are able to offer the credit limit they request.

How do I apply?

Fill our application form or call us on 01387 320550. This application is designed to take as little time as possible.

Recent Cars

Vauxhall Corsa '2014
  • Location: UK / Dumfries / T Mac
  • Engine: 1.3L CDTI, Diesel
  • Mileage:  21000 miles
  • Condition: used
Chevrolet '2010
  • Location: UK
  • Engine: 2.0L LTZ VCDi, Diesel
  • Mileage:  95000 miles
  • Condition: used
Vauxhall '2013
  • Location: 
  • Engine: 1.4L, Petrol
  • Mileage:  44000 miles
  • Condition: used
Ford '2013
  • Location: UK
  • Engine: 1.6L TDCi, Diesel
  • Mileage:  26500 miles
  • Condition: used
Vauxhall '2016
  • Location: UK
  • Engine: 1.2L, Petrol
  • Mileage:  21157 miles
  • Condition: used
MINI '2013
  • Location: UK
  • Engine: 2.0L SD, Diesel
  • Mileage:  48397 miles
  • Condition: used
Skoda '2013
  • Location: UK
  • Engine: 1.2L TDi CR, Diesel
  • Mileage:  39884 miles
  • Condition: used
Audi '2014
  • Location: UK
  • Engine: 1.6L S-Line TDi, Diesel
  • Mileage:  44666 miles
  • Condition: used
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About Us

T Mac Car Centre and Van Hire, Dumfries & Galloway's leading car sales and van hire company - open 7 days a week!.

With more than 40 years in business, you can rely on T Mac to go the extra mile when it comes to service and value, offering quality at consistently low prices

Our Hours

  • Monday  09:00 - 17:00
  • Tuesday  09:00 - 17:00
  • Wednesday  09:00 - 17:00
  • Thursday  09:00 - 17:00
  • Friday  09:00 - 17:00
  • Saturday  09:00 - 13:00
  • Sunday  09:30 - 10:30

Our Contacts

Our Location

Copyright © 2018. Tmac Car Centre. All rights reserved

Developed by BDSDigital

TMAC car centre is authorised and regulated by the financial conduct authority. All finance is subject to status and income. Written quotation on request. We act as a credit broker not a lender. We work with a number of carerfully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers.
FCA No. 755536