Individuals with bad credit or CCJ’s against their name may have found it difficult to enjoy some of the finer things in life until they had cleared it all up and if that wasn't an option then it was simply a matter of hoping and waiting for their luck to change. With so many companies now providing options for such individuals it needn’t be an uphill struggle getting some of life’s essentials.

Car loan companies like Pentagon open their arms to all sorts of customers, from those with a spotless credit history to those with more ‘questionable’ credit report. As long as you can pay by direct debit, are over the age of 19, hold a UK driving license, have been in full time employment for at least 12 months then they are likely to be able to offer you the necessary credit to finance the vehicle of your choice.

Such flexibility comes at a cost, the typical APR is a massive 19.9% and this will no doubt have an impact on the full amount you end up paying back to the company.