months
Representative example – Total amount of credit £10,000, annual interest rate 18.25% (fixed), charge for credit £9,430 (£9,125 interest, £295 admin fee and £10 option to purchase fee), total amount payable £19,430. Loan term of 60 monthly instalments, 59 payments of £323.67 and 1 final instalment of £333.47. 36.1% Representative APR – Subject to status and affordability
Getting started is simple with our quick online application form. It only takes a few minutes to apply directly from the comfort of your own home.
Stay informed every step of the way with real-time updates on your car loan application status with our Application Tracker. Know exactly where you stand with our transparent process.
Once applied, our team works with you to explore car finance or car loan options that fit your needs. Support is provided every step of the way.
Most applications made directly through our website are reviewed quickly, so decisions are often made promptly, helping you start planning for your new car without delay.
Begin your bad credit car finance or car loan journey today by applying directly with Go Car Credit. Find an option that fits, check potential payments, or start your application online – our team is here to assist every step of the way.
Car finance, or a car loan, lets you buy a car with monthly payments instead of paying the full amount upfront. When you apply directly on our website, you access our service as a direct lender. This means no middleman, making the process simpler, more affordable, and clear.
Car finance for bad credit could be helpful if you have limited savings or have faced credit challenges in the past. For people who apply directly online, we offer flexible options to find the right fit for your needs.
Whether you’re on benefits, don’t have a deposit, or need extra support managing payments, we have options to match your situation.
Our goal is to make car ownership simple and easy to understand, helping you get back on the road with confidence.
Empower yourself with knowledge! Explore our guides for expert tips on car finance, credit improvement, and the car buying process.
Learn more about our mission and how we could support customers with bad credit.
At Go Car Credit, we are committed to responsible lending. We take the time to understand your individual circumstances, considering your finances as a whole. This helps ensure that any car finance agreement you enter into is affordable and manageable.
As a responsible lender, we aim to support you in maintaining your agreement and avoiding financial difficulty. While we follow relevant rules and guidance, our flexible underwriting approach means we may be able to help where other providers cannot.
We are authorised and regulated by the Financial Conduct Authority (FCA), a member of the Finance & Leasing Association (FLA) and follow their Lending Code.
We are also registered with the Information Commissioner’s Office (ICO) , ensuring your personal data is handled securely and transparently.
You can apply with confidence, knowing we take our responsibilities seriously.
We’re here to guide and support you through every step of the car finance process. Our aim is to make your experience easy, stress-free, and efficient—from your application to driving away in your new car.
Here's why Go Car Credit could be the right choice for you:
When you apply directly with us, you work with a direct lender—no brokers involved. This means no extra fees, faster decisions, and personal support throughout your journey.
We consider benefits as income. Self-employed or unemployed applicants may still apply if monthly repayments are affordable. You don't need a deposit to apply, but paying one could reduce the amount you need to borrow.
We believe in transparency. All terms and costs are agreed upfront, with no hidden fees. You'll know exactly what to expect from the start.
We understand that getting car finance with bad credit is challenging. That's why we've made our application process as simple as possible.
Many people have secured car finance through us. Our Trustpilot reviews show the positive experiences of our customers.
Hear from our happy customers! Our clients love sharing their success stories and how Go Car Credit helped them drive away in their dream car.
Our bad credit car finance options are designed to help you get behind the wheel, no matter your credit background. We specialise in helping those who may struggle to get approved elsewhere — taking a broader view of your situation, not just your credit score.
Black box car finance, also called a car loan with a payment reminder system, helps you keep up with payments. This option is available to people who apply directly on our website. A payment reminder system is installed in your car to remind you if your car finance repayments become overdue. This is a good choice if you need extra support to manage monthly payments and stay in control of your finances.
If you’re claiming benefits and need a car, car finance may still be possible. We can count some benefits as income if you apply on our website. This includes disability allowance, carer’s allowance, and other support payments.
If you don’t have savings for a deposit, no-deposit car finance might work for you. This option lets you get a car without any upfront payment. Monthly payments are flexible and affordable, making it easier to own a car without a deposit.
When you apply through our website, Go Car Credit serves as your direct lender. This means no brokers or middlemen, and your car loan is handled directly by us with no extra fees or unnecessary delays. This approach keeps the process simple and transparent, with our team providing support from start to finish.
Hire Purchase (HP) car finance includes monthly payments, with car ownership at the end of the loan. HP is straightforward and suits those who want long-term ownership. All terms are explained in simple language to ensure a clear understanding of what’s involved in a hire purchase car loan.
If you’re self-employed and apply directly, we look at your income and other details to find car finance options that suit you. Car finance may be possible even if your income varies.
Joint car finance lets two people who live together, like partners or family, apply as a pair. This option may allow for a larger loan and better approval chances. For direct applicants, joint finance makes it easier to share payments and access car finance.
If you have a history of CCJs, you may still be considered for car finance when applying directly on our website. We know that financial setbacks happen, so we look at your full situation, not just past issues. A car finance option may still be possible if you’re committed to making regular payments.
Hire Purchase is one of the most common types of finance, it is really simple – you hire the vehicle and make fixed monthly repayments until you have paid off all of the agreed finance.
There are no surprises at the end of your agreement such as balloon payments or mileage restrictions.
The entire car price is spread across your agreement term and once all monthly payments have been made the car becomes yours, making it one sensible option for borrowing.
Have you been refused car finance due to bad credit? Don’t worry it does not mean that you can’t get car finance!
Many of our customers have been refused car finance from mainstream lenders because of poor or bad credit history.
Apply via our online application form to find out if we can help you secure the finance you need for your next car purchase.
We can offer loans from £3,000 to £18,000. Use our car finance calculator to see what your fixed monthly payments would be.
You can apply for finance direct via our website. Just fill in our application form, it takes less than 2 minutes!
We do not offer guarantor finance, but we do help people who may have experienced problems getting finance in the past.
Yes, you could. Unlike some mainstream lenders we take benefits into consideration when reviewing your income. For more information about on this, visit our Car Finance for People on Benefits page.
There is criteria that has to be met such as maximum mileage restrictions and maximum age of vehicle restrictions.
We can help you source the car you want from one of our reputable dealers across the UK.
All of our dealers are authorised and regulated by the Financial Conduct Authority.
By only choosing dealers that are FCA regulated reinforces our high standards of service to our customers.
We specialise in providing finance to individuals who have struggled to obtain credit. We charge a higher APR on our finance products because we serve the sector of the community, which are usually excluded from conventional lending and our customers are seen to be a higher risk by other lenders.
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.
IMPORTANT CUSTOMER INFORMATION:
Following an FCA announcement, all complaints regarding the payment of motor finance commission have been placed on hold until 4th December 2025. For more information go to www.fca.org.uk/consumers/car-finance-complaints. We have never operated a Discretionary Commission Arrangement model. When commission has been paid, it has been at a fixed rate, and been substantially lower than the market standard. In the vast majority of cases, we have paid no commission.
