Hi Alan,

This kind of question is really better directed to your accountant, bank manager, or personal financial adviser, or possibly all three. However, what we can tell you is that it’s usually better, in the case of those with a complicated credit history, to approach those brands and dealers whose finance is done by a ‘captive bank’ or, in other words, a bank that’s actually part of the car company itself. These are usually slightly more likely to approve a loan than a high-street bank, simply because the whole reason they exist is to sell cars. The ones with captive banks are Renault, Dacia, BMW, Audi, Volkswagen, Skoda, Subaru, MINI, SEAT and Toyota. But as we said at the top, speak to an actual financial expert before you do anything.