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Representative example – Total amount of credit £8000, annual interest rate 20% (fixed), charge for credit £6711.44 (£6406.44 interest, £295 admin fee and £10 option to purchase fee), total amount payable £14711.44. Loan term of 48 monthly instalments, 47 payments of £306.28 and 1 final instalment of £316.28. 39.7% Representative APR – Subject to status and affordability

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Here at Go Car Credit we aim to provide you with the financial support you need to purchase an affordable car. As bad credit car finance specialists, if you meet our criteria we’ll ensure that applying for a car loan couldn’t be easier.

Important Information

  • This application is for a hire purchase loan product, and is only suitable for purchasing a vehicle from a reputable and FCA-regulated dealer.
  • This is an application for finance from Go Car Credit (the lender). During the initial application process, a soft search will be conducted, which will not leave a mark on your credit file. Once you have confirmed you would like to take out a finance agreement with us we will then carry out a hard search, which may affect your credit rating with some lenders.
  • We will use your contact information to contact you in relation to processing this application and securing your lend amount.
  • Terms and conditions apply and all applications for finance are subject to status & affordability.

You should rethink your application if you:

  • Are only ‘window shopping’, in which case you should wait until you definitely want finance.
  • Have recently made an application with us, in which case you should phone us directly on 01925 696 373.
  • Are already an existing customer looking to renew your finance agreement with us. Click here to renew with us.
  • Cannot provide proof of identity.
  • If you are unemployed, you must receive DLA or carer’s allowance in addition to any other benefits to be considered for a loan.

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.