• Take the stress out of Bad Credit Car Finance...

  • No deposit required

  • Employed, Self Employed or on benefits

  • Help re-establish your credit

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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.

Car Finance and Car Loans

Here at Go Car Credit we are specialists in helping people secure finance who may have been declined by other lenders. We want to help our customers get back on the road to better credit.

Once passing initial checks, applications we receive are reviewed by the employees themselves and not just a computer program.

This approach allows us to consider any extenuating circumstances such as a poor credit history, self-employment or an income from benefits. We want to review our customers individual circumstances so we can fully understand their situation.

We offer car loans from £3,000 up to £10,000 over a term of 4 years, with fixed monthly repayments and no hidden fees.

What type of car finance do we offer?

Here at Go Car Credit we can offer hire purchase car finance. This type of car finance gives individuals the chance to buy a vehicle without having to pay for the amount in full before they can drive it.

When you come to Go Car Credit for this type of finance, you’ll be hiring your car from us and your purchase will be secured against the motor itself.

That means the car is legally owned by us and you will be the registered keeper while you make fixed monthly payments across a set period of time.

Once you have paid the car’s value in full, plus an amount of interest together with the £10 option to purchase fee, the car will be yours.

Who can we help get car finance?

  • Bad Credit: Have you missed a few repayments in the past? You may have a poor credit history due to defaults or arrears in the past, we will do our very best to get you approved for car finance help you get back on the road.
  • Benefits income: Is your income made up of benefits? We can include certain benefits income that would normally be excluded by other lenders while making our decision on your car finance application.
  • Employment type: Started working for yourself and need a new car? We can take into consideration your application if you are self-employed as long as you can provide proof of your income then it all counts.

How our car finance works

  • Apply for car finance - Apply for car finance through our website, complete our straightforward car finance application form and you could be zooming around in your new car.
  • Car finance decision - We will review your application. Once conditionally approved for car finance we will provide you with a provisional credit limit.
  • Choose your car - We will help you find the perfect car for your circumstances through a dealer from our approved network. You will need to provide all the documents we may require. Once passed, we can offer you a full approval for finance.
  • Sign online - Sign the paperwork online and then it’s time to drive away your new car.

Why choose Go Car Credit for your car finance

  • We are specialists in helping people secure car finance if they have a less than perfect credit profile.
  • We are rated excellent on independent review site Trustpilot.
  • We are authorised and regulated by the Financial Conduct Authority (FCA) and are committed to achieving fair outcomes for all of our customers.
  • We have dealers nationwide, meaning we can help you find the perfect car at the perfect price.

Frequently asked questions

What is Hire Purchase 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.

Will I qualify for Car Finance with Go Car Credit?

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.

How much can I borrow?

We can offer loans from £3,000 to £10,000. Use our car finance calculator to see what your fixed monthly payments would be.

How do I apply for car finance?

You can apply for finance direct via our website. Just fill in our application form, it takes less than 2 minutes!

What is your lending criteria?

  • •You are a UK resident for at least 3 years. (We are unable to provide finance for those living in N.Ireland)
  • • You have a full UK Driving Licence.
  • • Your income is over £1000 and paid directly into a UK bank account.
  • • You are able to provide 2 months consecutive pay slips or if self-employed, 3 months consecutive bank statements.
  • • You are over 18.
  • • You are not in an active bankruptcy or debt relief order.

I have got bad credit, will I still get approved?

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.

Do you do guarantor car finance?

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.

Can I get car finance if I am on benefits?

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.

Can I choose any car?

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.

Why is your APR higher than other lenders who offer car finance?

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.