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Buying a car on finance can be frustrating to say the least and if you have bad credit it can seam almost impossible to get car finance. Although it might seam impossible, by simply choosing the right lender you could get over half the battle before you’ve even completed your finance application.

Bad credit or not, most of us relay on having a car to travel to and from work, to take the kids to school or to do the weekly shop,when your car either becomes unreliable or reaches the end of its life it can prove hard to scrape together the cash required to buy a new one, opting for car finance can provide the funds you require.

If you have bad credit, finding a lender who’ll accept your finance application and provide the funds you require can be incredibly challenging, unless of course you’re an expert. You may have considered turning to a specialist vehicle finance company who claim they enable customers with bad credit to get car finance, although they may be able to offer you the required funds more often than not the finance will come with a high interest rate and you may also have to pay a substantial deposit.

So, what about high street banks?

High Street Banks are the tradition source of finance for many setting out to buy a new car. It’s a common belief that if you’re an existing customer your bank will offer you a lower rate on a loan, however if you have bad credit you can almost certainly rule out the possibility of receiving a low rate loan from them, however as always there are some exceptions.

And motor groups?

Some of the UK’s biggest motor groups now have their own in-house finance teams whose sole job it is to help their customers get car finance, they are recognised by many in the industry as being experts in providing bad credit car finance with a reasonable APR and a low deposit. Large motor groups aim to shift a high volume of cars with the majority being purchased on finance it enables them to negotiate better rates with the lenders they represent. Applying through a large motor group is usually a straight forward, hassle free process and some groups even providing an initial online lending decision in an instant without leaving a footprint on your credit file.

How can I improve my chances of being accepted?

If you’re looking to get car finance there are several things you can do to improve your chances of being accepted, such as adding yourself to the electoral roll and ensuring you keep up any financial commitments you already have by making payments on time every time.

You should always keep the number of finance applications you make to a minimum as every time a company carry out a credit check it leaves an imprint on your credit file, this imprint will be seen by any potential new lenders.

You’d also be wise to obtain a copy of your credit report as some people find errors they never knew existed which isn’t hard to believe given the sheer volume of data processed by credit reference agencies. Obtaining a copy of your report will also give you the opportunity to understand exactly what has had a negative impact on your credit rating. You can obtain a free credit report from Experian.

Without a doubt there are some clear benefits in choosing a large motor group when you’re looking for that much-needed finance in order to purchase your new car. The best advice of all is to consider all your options. If you’d like to obtain a quote from a large motor group who my be able to help you get car finance, visit Stoneacre.

Winter, it’s the time of year when we all bring our woolly hats and gloves out, you know it’s here when you wake up to a frost covered landscape but is your car as well prepared as you are? One thing that’s often overlooked is the great range of car accessories perfect for the change in weather.

So winters here, bringing with it frost covered ground, snow fall, icy roads and bitter winds and then there’s all the mud and grit that gets left behind when the weather clears up. You wouldn’t leave yourself exposed to the elements so why would you leave possibly the second biggest purchase you’ll ever make exposed?

Without chipping away at your finances there are some incredibly useful and practical car accessories that are perfect for combating the extremes of winter weather.

Interior

Car mats, although probably not an obvious choice there’s no better time to invest in a set, not only do they look great, there inexpensive and they protect your cars carpets from general ware and tear as well as damage caused by all the mud and grit that’s likely to be picked up while walking on icy, snow covered ground.

Exterior

As well as protecting your cars interior the exterior is also more vulnerable during in the winter months. Thousands of tons of grit are spread on UK roads every year increasing the likely hood of small stones and chips flying up and hitting your cars paint work which could potentially cause costly chips and scratches.

Mud flaps are perfect for protecting you car, there designed to prevent small stones, chips and mud from flying up off the road and hitting your cars paintwork, they’ll also help keep your car looking cleaner for longer.

Regardless of the time of year it’s important to ensure all your car headlights are in proper working order but this becomes even more important in winter with the likely hood of fog and heavy snow fall.

Car headlight deflectors are a great car accessory for preventing loose grit and stones from flying up off the road and cracking your car headlights, there also relatively cheap and easily fitted within a matter of minutes.

There’s nothing worse than walking out to your car on a bitterly cold winters day, only to find the windscreen buried under a shield of snow and ice, firstly there’s the time it takes to scrape it all off and secondly the risk of permanent damage to your windscreen. A windscreen cover is the perfect solution, designed to protect the windscreen and front side windows from the effects of extreme weather. A windscreen cover offers great value for money as you can also use it to protect against extreme sunlight in the summer months.

Safety

Car Safety Kits are one of the most important car accessories you could ever consider, they should be seen as a necessity especially when venturing out for a drive in heavy snow fall or icy conditions. Car safety kits contain a whole list of items including high-visibility jackets, spare light bulbs, first aid kits and a torch all of which would prove to be extremely useful in many different scenarios including an accident or a breakdown.

By simply opting for a few inexpensive easy to fit car accessories you can rest assured knowing your car is as prepared for winter as you are. In addition to the accessories mentioned there are dozens more great car accessories especially designed for the winter weather.

So there we have it a round up of some of the best, yet often forgotten car accessories that suite themselves perfectly to the winter months. For a great range of affordable winter accessories why not visit a car accessories shop such as CarAccessoriesPlus

So your the proud owner of a shiny new Fiat 500 but you find yourself blending in with all the other 500’s out on the road, fear not there is a solution. Why not add an extra bit of style, flair and individuality with a couple of carefully chosen Fiat car accessories?

Fiat claim to offer over 500,000 ways to personalise your car which undoubtedly makes the 500 one of the most customisable cars ever manufactured, but with so many ways to customise where do you start?

The range of accessories available includes anything from car key covers to car mats and boot liners, in addition to all the official Fiat car accessories there’s countless more unofficial accessories on the market, to help you out we’ve put together a list of some of the best and most popular official Fiat choices.

Key Covers

Car key covers are a great solution for protecting your key against general wear and tear, the cover simply clips on and off without the need for any tools or professional fitting, Fiat produce dozens of different designs such as the Italia, Barcode and Sport, so if you get bored of one you can simply swap the cover for a new design in the Fiat car accessories range.

Fiat Blue And Me

You’ll never get lost again with your very own Fiat Tom Tom sat sav for the 500, the Blue And Me, as its called simply fits in to the cars built in Tom Tom port without the need for any wires. The sat nav packs a powerful punch, boasting Bluetooth phone connectivity for hands-free calling, speeding alerts, voice command, local search with Google, and a large 11cm high quality touch screen.

Car Mats

Protect your car in style with tailored car mats, there’s nothing worse than wear and tare taking hold of your carpets, a set of official Fiat car mats is a great solution to help you protect and maintain the condition of your carpets. The car mats offer great quality and value for money as you’d expect from the official Fiat car accessories range.

In addition to all the official Fiat accessories, many independent manufacturers have produced compatible accessories for the 500, all with varying quality and pricing, although if your looking to guarantee quality, value for money and accessory compatibility you should opt for either official or authorised Fiat accessories.

So there we have it, a selection of the best and most popular Fiat 500 car accessories but don’t stop there because there’s countless more useful, stylish and affordable options available, your car is your canvas, be creative make your 500 your own.

All of the accessories mentioned make great additions to any 500, to ensure your buying genuine official or authorised accessories its best to choose a authorised reseller of official Fiat car accessories such as CarAccessoriesPlus.co.uk