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Pegasus Personal Finance

Call0800 066 2882

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(8.9% APR illustration)

This does not constitute a quote, rates may vary depending on personal circumstances.

Hello, We are looking for some help and advice please. We are interested in buying a conservatory for our house and have been quoted £30,000 for something suitable by the local conservatory company. We do own our home but our credit history is not quite perfect due to my husband losing his job about two years ago and us getting behind on our mortgage and credit card payments. He is now fully employed again and we have caught up with all our debt but our bank and sainsburys bank have both said that they are unable to help us with a loan due to our bad credit history. We were recommended to you and understand you can arrange conservatory finance even if we have bad credit history. Is this correct and if so what sort of rates and terms could you offer us please?

Hi Mrs Cotton,

Thank you for your email regarding bad credit conservatory finance and thank you to your friend for recommending us. Your circumstances are certainly not unusual as a large percentage of the population suffers some kind of financial set back at some point in their lives.

The good news is that you have come to the right place as we work with lenders who understand this and are prepared to help customers with less than perfect credit scores especially as you are using the money to improve the long term value of your home and not just spending it on a car which will drop in value over time.

Conservatory finance even with bad credit need not break the bank and our rates start from 9.9% APR and can be spread over 2-10 years depending on affordability.

It really is a simple process and you can either complete our quick online application form or give one of our friendly finance advisors a call on 0800 066 2882 to discuss and make an application over the phone.

About The Expert

Pegasus Finance is a trading style of The Car Loan Warehouse Limited

The Car Loan Warehouse Limited is authorised and regulated by the Financial Conduct Authority. Our registered FRN is 662397. Registered Company No. 08127935. All finance is subject to status and income. Applicants must be 18 years or over, terms and conditions apply, guarantees and indemnities may be required. The Car Loan Warehouse Limited is a broker, not a lender and can introduce you to a number of finance providers based on your credit rating and we will receive a commission for such introductions. Written quotation on request. Certain exclusions for Northern Ireland residents. Borrowing £8,000 over 48 months with a representative APR of 14.9%, an annual interest rate of 7.7% and a deposit of £0.00. 48 payments of £218.49 per month. Total cost of credit being £2,487.57 and a total amount payable of £10,487.57. Terms available 12-120 months, 5.9%-49%APR. Pegasus Finance do not provide financial advice.

We can introduce you to a limited number of lenders that offer finance products, but we do not offer any advice or recommendations. We do not charge you a fee for our services, but we receive commission from the lenders we introduce you to. The commission we receive is either a fixed fee or a percentage of the amount you borrow but the existence of commission does not affect the amount you will pay under the agreement. The commission we receive varies depending on how you are introduced to us, which lender we place you with, and which finance product you choose. We will pass a proportion of the commission we receive to the motor retailer that introduced you to us. The commission we receive and pay will not affect the amount of interest you pay under your credit agreement, when compared to customers in circumstances similar to you. We will always introduce you to the lender that provides products for your needs, at the interest rate suitable for your credit profile. If you ask us, we will tell you the amount of commission we are paid for introducing you to the finance lender.

Pegasus Finance, Technology House, Station Road, Alton, GU34 2PZ