If you’re looking to get a new set of wheels on finance but have a bad credit history, then we could be your perfect partner and an accessible option for you and your current situation. At Go Car Credit, we specialise in helping people with bad credit secure hire purchase finance for their next car.
We’re not a third-party provider or finance broker – so when you take out a car finance agreement it is with us, you’ll deal with our friendly and professional team throughout.
We have car dealers in the Cardiff area and surrounding region, so you can find your perfect car nearby without having to travel too far and there are hundreds of vehicles on site to choose from. Meaning we can help find you a car to suit your budget and get you driving away in your new wheels quicker than you think.
If you are looking for car finance in Cardiff, Newport, Barry, Neath or the nearby area we can help you find your next car at a nearby dealer, plus some of our dealers offer same day driveaway and delivery to your door.
49.6%APR Representative – Subject to status and affordability
We make the car finance process simple and stress free. Applying for a car loan with us is really straightforward even if you have experienced bad credit in the past.
Complete our simple online application form which only takes a couple of minutes, from there we will ask for some details on your vehicle of choice before asking for you to give an online signature if you want to go ahead. We don’t upsell or cross sell any other products and there is no charge or fees for making an application and no obligation – so if you change your mind and want to walk away, you can.
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 and one of our sales agents will be in touch.
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 can. 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.