Crossfield Mill, Crawford St, Rochdale, OL16 5RS
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Here are some answers to Frequently Asked Questions.
Can I settle my agreement early?
Yes, you can settle your agreement at any time either by paying off the existing balance or by part exchange from your dealer who will work with us to organize your settlement.
Can I change my monthly costs?
You can partially settle by paying a lump sum which would lower your monthly repayments or shorten the term but you cannot renegotiate your agreement.
Am I able to transfer to another lender?
You can’t transfer to another lender during your agreement. You would have to settle your agreement with Marsh before moving to a different lender.
How do I make an application?
To discuss making an application, email us at email@example.com or call us on 01706 648882, we look forward to hearing from you and helping you to organize sorting your next vehicle!
What forms of ID can I use?
You’ll need your driving license, pay slip and in some cases 3 months of bank statements.
What is a interest rate?
Interest rate is the cost of borrowing money typically shown as an annual percentage rate. So you’d pay back the original amount loaned (known as capital) plus the designated interest rate percentage agreed prior.
So if you borrowed £1000 with a 10% Interest rate, you would have to pay back £1100 (as 10% of £1000 is £100)
How does my credit score affect my options?
As with many lenders, your score will affect how much your monthly repayments will be. If your score is lower, it might mean your payments are larger. There are many thing you can do if your score is low and you want to improve it—our top tips would be
1) make sure you’re on the electoral roll, it’s much easier to get credit if you’re registered.
2) Keep up to date with your bills, it’ll show lenders you can keep up to date with payments
3) Fix any mistakes on your report, by checking it regularly you can make sure its up to date with no mistakes.
If any doubt, contact a credit referencing company to discuss your specific
Do I need a deposit?
For agreements like PCP and HP, you will agree with us on a deposit and it will affect your month repayments (the bigger the deposit, the smaller the monthly repayments)