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29 months

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49.6% APR Representative

Representative example – Total amount of credit £4750, annual interest rate 25% (fixed), charge for credit £3572.48 (£3562.48 interest charged and £10 option to purchase fee), total amount payable £8322.48, 36 monthly instalments of £231.18. 49.6% APR Representative. – Subject to status & affordability.

Bad Credit Car Finance Explained

If you have been searching for Bad Credit Car Finance then you may have had your applications rejected by other lenders or car finance companies, we are not a finance broker or third party provider so you take the agreement out with us.

We can make decisions to approve car loans for those who have a poor credit rating and people who have experienced bad credit in the past but want to get back on track now. We offer a form of car finance called “Hire Purchase” which is a type of vehicle loan suitable for those who want the option to not pay cash or cannot get credit such as a personal loan due to a poor credit history.


There is no deposit necessary if you choose not to pay one and once you have paid off the finance agreements fixed monthly repayments the vehicle is yours. For more information on how hire purchase works please visit the page below.

What is Hire Purchase Finance?

How can I get approved?

We look at your current situation and affordability as well as your history so even if you have a poor credit rating or have defaulted on payments in the past we could help you secure a loan for your next car.

If you have had bad credit in the past and are looking to improve your chances of being accepted when you apply for car finance try to make sure all outstanding credit commitments are up to date and if they are not up to date don’t be afraid to speak to any previous lenders to start catching up with repayments to help improve your future credit options.


Please use our car finance calculator to make sure you can comfortably afford the monthly repayments and remember to budget for any outstanding credit repayments you may have. For more information on bad credit car finance please visit the page below.

What is Bad Credit Car Finance?

We would suggest you think about the costs associated with your choice of car such as fuel, insurance, tax, MOT, servicing and maintenance costs, as these will all have an influence on the affordability of the vehicle. The finance is secured on the vehicle, so if you don’t keep up with the monthly repayments, Go Car Credit can repossess the car. Failure to make payments can also affect your credit report.