Call 0151 728 4711 or email sales@stablevehiclecontracts.co.uk
Commercial vehicles call 0151 728 4694
View our Stock List of cars available within 2 weeks
What If I've Got Bad Credit?

What if I’ve got bad credit?

Audi and Volkswagen both require good-great credit score in order to take a car on a lease deal. If you don’t feel that your credit score would pass a credit check, you can use a third-party service like Experian to see the quality of your credit score.

If your credit score is bad, there are a number of ways that it can be improved, but your credit score does improve over time, so you might be more successful in the future.

What should I do if I get rejected?

If you’re rejected once, it’s best to check your credit file straight away. If you apply a second time and get rejected again, this can look like a rejection pattern that will look bad for any future applications. Your lender should be able to tell you which credit reference agency it used, so you’ll be able to focus on that one.

Remember that your credit score does improve over time, so if you feel you’re unlikely to pass and your credit report is showing that you don’t have a good-great credit score, it may be better to wait and try again in the future.

If you want some tips on how to improve your credit, click here.


Hopefully this guide will have answered any questions you have about Bad Credit. If not, please feel free to call us on 0151 728 4711. If you would like to view our latest Audi and Volkswagen contract hire offers please click here.

Volkswagen Golf GTD New Shape
Volkswagen Golf GTD 2.0 TDI GTD 184ps 5 Dr - New Shape
Business contract hire from £244 + VAT per month 24 mths 6+23 10,000 miles p/a
Personal contract hire from £292 inc. VAT per month 24 mths 6+23 10,000 miles p/a
Volkswagen Tiguan R-Line
Volkswagen Tiguan 2.0 TDI 150PS R-Line 4WD DSG- NEW SHAPE
Business contract hire from £278 + VAT per month 36 mths 6+35 10,000 miles p/a
Personal contract hire from £333 inc. VAT per month 36 mths 6+35 10,000 miles p/a
Audi A4 Avant Black Edition
Audi A4 Avant 1.4 TFSI 150PS Black Edition
Business contract hire from £211 + VAT per month 24 mths 6+23 5,000 miles p/a
Personal contract hire from £253 inc. VAT per month 24 mths 6+23 5,000 miles p/a