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Bad credit history
Bad Credit (See also Adverse Credit) refers to people who may have had financial problems in the past, including loans, credit cards, CCJs, IVAs etc. Many providers will still have a car finance deal, but expect higher rates and repayments.

Balloon payment
Balloon payments are particularly relevant to people buying cars on the PCP method. It refers to the final payment needed to secure ownership of the car, and can make up a significant percentage of the vehicle.

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