Bad Credit Car Finance Yorkshire

Looking to obtain car finance and live in the Yorkshire area?

Here at Go Car Credit we are specialists bad credit car finance.

We aim to help you find an affordable car that suits your needs, even if you have had bad credit in the past.

If you are in Yorkshire and are looking to buy a new car but need to secure the finance first, then we could help you. Car finance is an easy and effective way of paying for a new vehicle. You can spread the cost of your new car over manageable monthly repayments and no need for a deposit.

We have extensive experience of approving car finance applicants in your area. We specialise in accepting those who have bad credit and are worried they may not be approved elsewhere or who have even been refused car finance from other lenders.

With a wide range of used car dealers in Yorkshire the chances of finding a great car are better than ever. You can buy a car from one of our FCA Approved car dealerships in Yorkshire or around the UK, so regardless of the brand of car you are looking for we can supply the finance for you.

49.6%APR Representative – Subject to status and affordability

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How Our Car Finance Works


Apply using our quick online application form and one of our Sales Agents will contact you just to confirm every detail is correct before a specialist Underwriter reviews your request.


Once the Underwriter conditionally approves you for finance we can then provide a provisional credit limit for you.


We have an approved network of UK dealers and we will help you find your ideal vehicle through one of them. We just need you to provide the documents we request and then we can offer you full approval for your car finance.


Make sure you examine the car and test drive to make sure you are happy and the paperwork can be signed online.

How can I Apply for Bad Credit Car Finance in Yorkshire?

We have made applying for a car loan with us as easy as possible and it is tailored for those with bad credit.

Take a couple of minutes to fill in our online application form. If you are approved we then help you find your ideal vehicle and complete the process with an E-Sign all done online.

There is no obligation, charge or fees for making an application with us – so if you feel the finance offered does not suit your needs you can walk away before committing.

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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 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.