I'm 18, with only a credit card + £200 limit. i was declined for a£4k personal loan at my bank, now I've found a website called young marmalade, which offers cheap insurance + a new car.

http://www.youngmarmalade.co.uk/

What do you think, i'm extremly tempted!

Do you think they will accept me the finance of £12k over 4 years? the site is aimed at young drivers from 17, and on the quote, they quoted Typical APR 10.51%. what are your thoughts on this site? it seems very good as is recomended by The Driving Standards Agency, Richard hammon (topgear),BBC2 - Working Lunch and The House of Commons: "The House congratulates Young Marmalade, for its pioneering safer car and insurance scheme"

I could get a Brand new fiesta + pass plus course and half price insurance. it looks brilliant, because my insurance quotes were all mid to late £3000's and this company quote me £42 a month.

Anyone had any experience with them?