Welcome to IBA Consumer Credit. What can I assist you with?
My family really needs a car, we live quite far out of the town centre, but unfortunately we cannot afford to pay out such a large sum of money in one go.
That's a problem facing many young families nowadays, and we are sympathetic to the problem. That's why we have just started a new scheme ; a Personal Automobile Consumer Loan.
Great, I just hope I qualify! Could you tell me some more? Can I use the money to buy the car from anywhere?
What we usually do is find a suitable car dealer for you, who offer the type of car that you need. If it's a family car that you want, we have a very reliable dealer already contracted to us.
Then I can go to this appointed dealer, see what they've got and then make a decision?
Yes. When you have decided exactly what you want and have a purchase price we can begin to process the loan. As long as you provide the proper documentation, of course.
What do you require?
A correctly filled in application form, ID card, proof of residency, proof of income, the agreement from the agent and of course the 20 % down payment.
That sounds fine. If you could give me the name and address of the dealer I'll go over there now and see what they've got.