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SCM Sporting Classic Motors is a company based in north Hampshire close to the Berkshire border in Southern England specialising in classic car restoration, with an emphasis on historic motor vehicles with a sporting predisposition.


The restoration of pre-war vintage motor vehicles is incorporated with post war Classic Car restoration, classic car maintenance, classic car servicing and classic car repairs.


Much of the work involves British and German classics such as Mercedes Benz, Porsche, Austin Healey, Bentley and Daimler but not exclusively.

Polar Credit is a direct lender and we offer credit online in the united kingdom.

Our personal line of credit can be an income smoothing item allowing our clients to borrow straight from us as as soon as they must. As a accountable direct loan provider we make all our financing decisions ourselves and now we never offer your private information for advertising or virtually any purposes.

Are you searching for direct lenders maybe not credit agents?

Then chances are you found the right destination. We now have constantly thought that it’s a good idea whenever two parties have to deal straight with one another and our line that is unsecured of offers our clients the chance to borrow straight from us. Unsecured financing is becoming an ever more popular solution and there’s been a growth simply speaking term loan loan providers and brokers. There are numerous explanations why you may have to borrow short-term money and, if you’re interested in fast loans direct lenders, we at Polar Credit are right here to aid by providing an alternate online credit solution which develop should be able to fulfill your credit requirements.

Credit brokers can frequently make use of lots of soundbites, such as for example providing extremely high likelihood of approval, but keep in mind, payday loans New York nevertheless tempting an offer might appear, you will need to research the real provider before making your buying decision to make use of. Direct loan providers handle the financing procedure on their own in the place of credit brokers whom work as a middleman and hand over your individual information to direct lenders. Any unsecured lender getting an individual through a brokerage would often have to pay for a charge to that particular broker for the recommendation made. Which means when using an agent may have an edge of seeing exactly just what a variety of unsecured loan providers will offer you, may possibly not continually be feasible getting the deal that is best until you arrive at the financial institution straight. The way that is simplest to inform whether or not the business you will be using with is an immediate lender would be to ask yourself “Am I receiving cash right through the company on whose site I sent applications for credit?”.

Will it be simpler to borrow from direct loan providers?

Your credit agreement will fundamentally often be by having a direct lender, therefore the genuine choice is when to make use of when you really need to borrow cash, regardless if you are seeking to borrow for a brief term until the next payday or even for a longer time period.

Trying to get credit from the direct loan provider can simplify the borrowing procedure by providing you complete control of your individual information in a simple to know method. All reputable agents will usually be mindful when processing your computer data but the nature of the company means with direct lenders to see which unsecured lender will be able to lend to you, for how long and at what interest rate that they have to share it. It isn’t constantly apparent whom extends to visit your personal statistics as numerous broker sites just get so far as saying they make use of a panel regarding the Financial Conduct Authority (FCA) managed direct loan providers, without really providing you their names and soon you distribute your web credit application.

Applying with and borrowing from a lender that is direct provides you with more control and, ideally, a far better knowledge of exactly how your computer data will be prepared.

Fast choice

Speed is essential and also by using by having a direct loan provider perhaps not a credit broker, you get rid of the additional business within the equation and then leave just the crucial facets – you plus the loan provider. This might not make a difference an excessive amount of in the event the application undergoes swiftly and efficiently nonetheless it could save you time as you will be in direct contact with your lender if you have any questions about the application process. You need to use our e mail us form to quickly get in contact with us when you yourself have any queries regarding your Polar Credit application.

Data security

Keepin constantly your personal stats secure is crucial. You need to read your credit contract plus the ongoing company’s privacy policy to comprehend exactly how your computer data is managed. You ought to spend unique focus on any clauses which let your information become handed down to 3rd events. Exposing your individual information needlessly may cause an increased vulnerability to fraudulence or unneeded e-mails clogging your inbox with gives you usually do not desire. Whenever you use with us you need to provide us with permission to generally share a number of your details with 3rd events, such as for example a credit guide agency so we could evaluate your credit application or perhaps a bank whenever we need certainly to move cash to your money, but we’re going to never ever offer important computer data for marketing purposes.

Admin costs

Some body has to purchase the task agents do and, in the event that broker just isn’t billing the buyer who’s trying to borrow, it probably means these are generally recharging the direct loan provider whom is offering you credit. Much like any middleman, this contributes to greater charges for the financial institution and may even imply that you may otherwise get that you don’t get the best deal.

Customer support

Using straight with a provider of on line short term installment loans or a revolving credit center like Polar Credit means as you are able to effortlessly contact the lending company you may be applying with to increase any queries you’ve got. Most unsecured online loan providers use a lot of procedure automation within their choice making these days which could not necessarily provide you with the recognition which you deserve. Once we are an immediate loan provider we might constantly welcome a demand from any one of our clients to manually review their credit application if our automatic underwriting process failed to accept it.

What else to watch out for when signing up to borrow funds online?

All appropriate lenders consumer that is offering in great britain are authorised and controlled by the Financial Conduct Authority however it is nevertheless imperative that you do your very own research before borrowing cash. A whole lot of online temporary credit is often connected with payday advances and short-term instalment loans but there is however a much wider providing on the market from other direct loan providers who is able to provide cash at a lower interest also to people who have bad or no credit rating along with no dependence on a guarantor.

You should look at facets including the company’s reputation plus the terms of your credit contract before borrowing, but the majority notably you need to think about the want to borrow it self then opt for a choice which you think may be the one that is best for you personally.

Only borrow what you could pay for and keep in mind in order to make your instalments in a prompt way. Missed payments could harm your credit rating and work out credit more challenging or more costly to have as time goes on. At Polar Credit we recognise if you need to or repay your balance in full when it suits your circumstances to do so that it is difficult to always have the same budget every month which is why our credit line offers you the flexibility to make only minimum payments.

With you, the consumer, in mind whether you’re looking for an alternative to online payday loan companies, a new credit card or a guarantor loan, Polar Credit can offer an innovative product built. Polar Credit could be the next generation of online credit rating services and products. Our aim would be to provide you with exactly the same rate and convenience that you could get from getting immediate loans online but at a reduced interest and a far more predictable and reliable solution.