How to Cope With Bad Credit at Christmas

Christmas can often be a tricky time of year for many people. Present buying, decorations, throwing and attending various Christmas parties, and, of course, all the festive food and drink – it can all add up.

Even if you are very careful about the amount of money that you are spending, before you even realise it you could well end up spending more than you can realistically afford. When faced with this situation, many choose to make payments on their credit cards, which can often add high-interest rates and make repayments even more unaffordable. Being unable to pay off these debts is how many end up with bad credit, which can seriously affect your ability to spend on big purchases – like a car or even a house – when you need them most.

Like it or not, the reality of the situation is that many people do get into debt at this time of year. 

And, as we all know, once your finances are in the red, it can be very difficult to get credit again in the future. Sadly, it is a vicious cycle, but not one that can’t be rectified.

Overcoming car finance with bad credit

Here at Infinity finance, we are here to help.

If the worst should happen and – for whatever reason – you find yourself without a car, or your current car is old or unreliable (often without warning), you can find yourself stuck. All you want is the peace of mind that comes from the security of a car that you can trust, especially at this time of year when the weather is bad and driving conditions can be very tricky and unsafe.

We understand that sometimes circumstances just aren’t on your side. We can help you to get a new car when you need it, regardless of your credit history. That is why Infinity finance are leading the pack when it comes to finding bad credit car dealers.

We are proud to be able to say that we help people organise their car finance with bad credit, often helping people that other car finance businesses have previously turned away due to their poor credit history.

Will you need to use your car much over the festive period? Chances are you will. If you are planning a seasonal getaway or a trip to see the relatives, long car journeys can be hard in the adverse winter weather. That is why it is important to ensure that your car is up to scratch at this time of year.

Breakdowns aren’t just awkward time-wasters – they can also be expensive when you have to take your car to the garage and pay for replacements to parts that you didn’t even know existed! For that reason, you want to ensure your car is reliable.

So, if you are struggling with a bad credit rating, a new car is the last thing you can afford, right? Think again. If you are in dire need of a new car this Christmas, take the stress out of finance and contact us here at Infinity. We can help you to purchase that much-needed new car, even if you have poor credit.

For more information about car financing with bad credit, please get in contact with us today.

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