If you have bad credit and want to finance an automatic car, you may still be able to apply with Go Car Credit.
We are a direct lender and offer Hire Purchase car finance. We review your application and, if approved, provide the finance ourselves.
Your application starts with a soft quotation search. This does not negatively affect your credit report. We also look at your income, credit history and whether the finance may be affordable for you.
You could choose an automatic car because you prefer how it drives. You may also have always driven an automatic or hold a full licence that only lets you drive automatic vehicles.
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 £10,500, annual interest rate 18.25% (fixed), charge for credit £9,886.25 (£9,581.25 interest, £295 admin fee and £10 option to purchase fee), total amount payable £20,386.25. Loan term of 60 monthly instalments, 59 payments of £339.60 and 1 final instalment of £349.60. 34.5% Representative APR – Subject to status and affordability.
Bad credit does not always mean you could not get finance for an automatic car.
We specialise in bad credit car finance and look at more than your credit score. We also look at your credit history, income and current credit payments.
We will also check whether the finance may be affordable for you. Each application is different, so finance is not guaranteed.
Yes, you may be able to apply if you have a full UK or EU driving licence, including a full UK licence that only allows you to drive automatic vehicles.
If your licence only allows you to drive automatic vehicles, you would need to choose an automatic car that your licence covers.
You can check the driving licence categories on GOV.UK if you are unsure which vehicles you are allowed to drive.
We offer Hire Purchase finance for suitable automatic cars from our approved dealer network.
Hire Purchase lets you spread the cost of the car over monthly payments for an agreed term. You will not own the car until you have made all payments due under the agreement, including any option to purchase fee.
The amount you could borrow and your monthly payments will depend on the finance offered to you.
When you apply and meet our minimum criteria, we start with a quotation search. This is often called a soft credit check.
The soft search does not negatively affect your credit report. It lets us check your credit history before we make a lending decision.
If your application goes ahead, a hard credit search will be completed before the finance is paid out. This will leave a record on your credit report.
You may be able to get automatic car finance without paying a deposit if your application is approved.
Go Car Credit does not require a deposit for its Hire Purchase finance. If you choose to pay a deposit or use a part-exchange, you could reduce the amount you need to finance.
Our no deposit car finance explains how this works in more detail.
Being refused car finance by another lender does not always mean you could not apply with Go Car Credit.
Lenders use different rules. We look at your credit history, income and current credit payments.
We also check whether the finance may be affordable for you.
If you have been refused car finance elsewhere, you may still be able to apply if you meet our minimum criteria.
The amount of finance you could be offered will depend on your application.
We look at your income, credit history and current credit payments.
We also check whether the finance may be affordable for you.
If approved, you will receive a credit limit. You could then look for a suitable automatic car within that limit from our approved dealer network.
An automatic car changes gear without the driver having to use a clutch or manually move through the gears.
Most automatic cars have two pedals: an accelerator and a brake. A manual car normally has a third pedal for the clutch.
Automatic cars usually include modes such as Park, Reverse, Neutral and Drive. Some cars may also have extra driving modes depending on the make and model.
The price of an automatic car will depend on the make, model, age and features.
Some automatic cars may cost more than a similar manual car. Used car prices may also change based on demand and how many cars are for sale.
Repair and service costs may also differ because automatic gearboxes use different parts. The RAC compares the costs and differences between automatic and manual cars.
Some drivers may find an automatic car easier or more comfortable to drive because they do not need to change gear or use a clutch.
Fuel use will depend on the vehicle, engine, gearbox and how the car is driven. It is worth comparing individual models rather than assuming that an automatic will always use more or less fuel.
An automatic car may cost more to buy than a similar manual car. This will depend on the car you choose.
Some automatic gearboxes may also cost more to repair.
When you compare cars, the price, running costs, insurance and condition of the car could all affect the total cost.
We specialise in bad credit car finance. We may be able to help people who have been refused car finance elsewhere.
We look at each case on its own. We may be able to consider:
