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Bad Credit Car Finance Edinburgh

Having bad credit doesn’t mean you can’t get car finance

Here at Go Car Credit we are specialists in bad credit car finance and helping people secure finance for a new car who may have a low credit score.

We decided to develop Go Car Credit as we understand anyone could have problems getting credit via traditional banks. The primary focus is ethical and responsible lending and treating customers fairly, which forms our core values here at Go Car Credit.

We want to provide those with impaired credit profiles the green light to enable them to walk on to a dealer’s forecourt with confidence, helping them get behind the wheel in no time. It is important to us that our customers feel excited about the car buying process not stressed or anxious.

We can connect you with our approved car dealers in the Edinburgh 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.

If you are looking for car finance in Edinburgh, Livingston, Dunfermline, Kirkcaldy 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

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edinburgh landmarks

Who Can Get Car Finance in Edinburgh?

  • Unemployed
  • Young drivers
  • Part time
    employed
  • Benefits
    income
  • Self
    employed
  • Bad credit
    ratings
  • Limited credit
    history
  • Ex
    bankruptcy
  • Disability
    allowance
  • Carers
    allowance

Why Choose Go Car Credit?

  • We’re Regulated by the
    Financial Conduct Authority (FCA)
  • Simple and Stress-free Process
  • Rated Excellent on Trustpilot
  • Re-establish your Credit
  • Bad Credit Specialists
  • No Deposit Required

How to Apply for Bad Credit Car Finance in Edinburgh

Applying for car finance with us is free and quick.

Enter a few personal details into our secure online application form which only takes a couple of minutes. If approved, we’ll ask for some details on your vehicle of choice before asking for you to give an online signature if you want to go ahead. There’s no charge or fees for making an application and no obligation – so if you change your mind and want to walk away, you can.

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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 and one of our sales agents will be in touch.

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 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 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.

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.