Unlike many direct lenders who refuse to give consumers in debt managements plans (DMP) car finance, Go Car Credit have approved these applications and provide people who have had bad credit, missed payments, a benefits income, no guarantor or deposit.
You may be seen as higher risk for other car finance companies but we look at our customers entire situation. If you are in a current Debt Management Plan and you are demonstrating motivation and commitment towards repairing and improving your credit, then we will consider your application with us when other lenders may not.
49.6% APR Representative – Subject to status and affordability
We will only lend what you can safely afford to pay back each month after living expenses and other commitments. Please think about the additional costs of running a car when deciding how much you will be able to pay back each month for the loan. The types of additional costs you should think about are:
Use our bad credit car finance calculator to see the estimated monthly repayments for the amount you wish to borrow.
No ethical lender can offer guaranteed car finance, but we consider all circumstances that others may not. These can include:
We specialise in approving used car finance for our customers who would usually be rejected by other lenders due to their strict lending criteria.
Here are just a few reasons to choose Go Car Credit:
If you’ve been rejected for car finance due to your current circumstances you could still drive away with a new car even if you have been refused car finance.
You can choose from any dealership in our approved UK network who cover areas such as Liverpool, Newcastle, Leeds, Manchester, Cardiff, Portsmouth and many more.
Our agents are here to help you every step of the way and provide you with all of the vital information that you require to get you approved for car finance and into your new car as soon as possible.
Some of our approved dealers can offer home delivery and many can offer same day driveway options. We want to make the car finance process as stress free and easy as possible for you.
At Go Car Credit, we offer our customers hire purchase finance for their next car.
Hire purchase means you pay to hire a car over a period of time until you have paid enough to own it outright. It’s one of the most straightforward and easy to understand types of car finance.
You hire the car for an agreed amount of time until you have paid enough set monthly instalments to own the vehicle outright. This covers the amount of interest we have agreed with you upfront and the overall cost of the car.
Please bear in mind that we could repossess your car if you are unable to keep up your monthly repayments, we will do our very best to help you avoid this situation.
We do not use the same strict criteria as most mainstream lenders which means our car finance process is tailored for our customers who have struggled to get finance elsewhere.
1. Apply for car finance – Apply for car finance via our website, complete our simple 2 minute car finance application form and a Sales Agent will be in contact to confirm a few key details.
2. Get a car finance decision – We will submit your application to our underwriting team for evaluation. Once provisionally approved for car finance we will provide you with a credit limit.
3. Choose your vehicle – We will help you find your perfect car suited to your monthly repayment budget through one of our approved dealers.
4. Sign your documents – Sign the paperwork online and then it’s time to drive away your new car.