Looking to spread the cost of a used car? Go Car Credit offers straightforward, flexible car finance options designed to suit real people and real budgets. We make it easy to apply, understand your repayments, and find a vehicle that works for you.
Used car finance is a way to buy a car without needing to pay for it all at once. Instead, you pay in monthly instalments. This can help you stay in control of your money while getting the car you need.
At Go Car Credit, we offer Hire Purchase (HP) agreements. You’ll make regular monthly payments, and once you’ve paid everything off, the car is yours to keep. There are no mileage limits and no big final payment.
Step 1: Calculate your monthly repayments
Step 2: Apply and track your application online, in real time (No login or app needed!)
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
Buying a used car is more popular than ever. Over 4 million used cars were sold in the UK in the first half of 2025, according to the Society of Motor Manufacturers and Traders.
Finance is now the most common way to buy a car. Almost 80% of people in the UK use finance to spread the cost, and most start the process online. Recent data shows used car finance is growing because people want clear, monthly payments. In fact, the UK used car market is now worth over £100 billion (Mordor Intelligence).
We aim to make car finance available to more people. If your repayments are affordable, we’ll look at your application—even if your credit history isn’t perfect.
We’re proud that we could offer car finance to people with less than perfect credit. Everyone’s situation is different, and we look at your full financial picture, not just a number.
We’re here to help you find a finance option that works for your situation.
It’s important to choose a finance option that suits your lifestyle and budget. Here are some things to think about before you apply:
Helpful tip: Always check the terms of your agreement carefully. Ask questions if anything isn’t clear. We’re here to support you through every step.
Thinking about applying? We’re here to help you move forward with confidence.
