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Looking to take out a loan for a car purchase. Is there any way I can maximise my chances of getting the advertised "representative" APR? They only need to give this to 51% of the successful applicants
The bank I have my current account with offers a competitive APR, perhaps I have the best chance with them? There are other options out there with rates 0.5% lower though.
Clearscore credit check says my credit score is 500 out of 700
Not really no, you either meet their criteria for super-prime lending or you don't. There is nothing you can do to fudge it, mostly because they will never tell you what the criteria is (or anyone else for that matter) and it will be horribly complex.
Credit Score is meaningless. Lenders calculate their own based on raw data.
TBH as long I wouldn't lose sleep over 0.5% unless it was for a mortgage.