FAQ’s

I am a pensioner, can I apply?
Yes , we have approved sole parents , aged and some disability pensioners.

We are an unemployed family ?
Yes , we have many loans on this form of income .

I am self employed , can I apply ?
Yes , business would generally need to be operating at least 12 months.

I am a discharged bankrupt , can I apply ?
Yes , and we have found this category have been generally excellent borrowers once given a second chance .

I have been in my address over 2 years but no one will give me finance ?
We place a large emphasis on stability of residency , so ,yes definitely give us a call .

I now have full time employment but have a few blemishes from past unemployment, can I apply ?
Yes, if you can demonstrate a change of circumstances from those that caused your blemishes we may assist .

I have always been a good borrower in the past, but now I don’t seem to be able to get a loan to upgrade my car ?
Yes, we may have a more flexible guideline regarding income and reward those with prior good borrowing history .

I am single and unemployed, can I apply ?
Current legislation and lending guidelines make it very difficult for us to lend to persons on this form of income . Generally we would have to decline unless under the most exceptional of circumstances .

I do not have a deposit or vehicle to trade, can I apply ?
No, we cannot accept applications without deposit or trade.

TESTIMONIALS

“We have dealt with Phil. Mc Master for over 15 years when buying vehicles and obtaining finance.  At all times we have found Phil and his staff to be honest and helpful, particularly when obtaining finance at difficult times in our lives. We would be happy to recommend his firm to anyone requiring similar assistance.”

Rodney & Melissa Williams.

“I have been financing and purchasing my vehicles through Phil and his team for over 20 years . In this time you could write a small book on what has happened in my life. I can honestly say their assistance during my hardest times was above and beyond what could reasonably be expected and my loyalty to Phil and his team is very personal.”

Carolyn Reid

“This is just to advise I have happily dealt with Phil to buy and finance cars for around 20 years.
He has always been helpful and understanding of our needs. I have and are pleased to recommend Phil and his employees to anyone I know.”

Peter (Bullwinkle) Barwick