The approach Škoda Financial Services take when checking credit qualifications is the same for 0% APR finance applications as it is for standard APR finance, so you do not need to have a better credit rating to qualify.
Your credit history will first be reviewed with credit reference agencies - Experian and Transunion, to provide information about current and previous credit. The credit application process is designed to protect you, the customer, as well as the finance company. This will enable Škoda Financial Services to determine whether financing your new car is in your best interest, as all finance companies must lend responsibly.
Škoda Financial Services will then carry out an affordability check to make sure the monthly payments aren’t too large a proportion of your total monthly earnings alongside other commitments, such as mortgage or rent payments. This is to ensure you aren’t making any financial commitments that could make your current circumstances more difficult.