Worried about making your payments due to COVID-19?
You should continue to make your payments if you can afford to do so. If you need to make a payment, please use our online payment portal.
If your payment is due in the next two weeks, and your circumstances are changing or uncertain and you need to discuss your options, which may include deferring your payments, then please contact our team of experienced agents who are here to help you. Please be patient though – we are experiencing a much higher number of calls from customers and we’re doing our best to help customers as quickly as possible. Please do not cancel or reduce your standing order or direct debit without speaking to us.
Before you call, please take a look at our FAQ’s for more information.
If you’re self-employed and affected by COVID-19, please click here for some further information and resources.
No deposit required
Employed, Self Employed or on benefits
Help re-establish your credit
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.
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?
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?
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! We are specialists in bad credit 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 £10,000. 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 are specialists in providing car finance to people who have experienced bad credit in the past.
Our customers are never judged solely on their credit history. Instead, decisions are based on a blend of science and human judgement to understand whether the repayment schedule will be manageable for the customer.
This approach allows us to consider any extenuating circumstances such as a poor credit history, self-employment or any previous mortgage or council tax arrears and view you as an individual, not just a number.
For more information, please visit our Bad Credit Car Finance page page.
We do not offer guarantor finance, but we do help people who may have experienced problems getting finance in the past. For more information, please visit our Bad Credit Car Finance page.
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.
To reward our loyal customers who have proved they are committed to improving their credit could receive a reduced interest rate on their next agreement.
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.