Bad Credit Car Finance Direct Lender

bad credit car finance direct lender characters

Rates from 29.7% APR
40.9% Representative APR -
Subject to status and affordability

We are a direct lender of car finance who specialise in providing bad credit car loans to those who need a subprime finance solution for their next car. Many of our customers have experienced rejection from prime finance providers due to their stricter lending criteria.

What is a car finance direct lender?

A direct lender is the actual finance provider that you take out an agreement with, there is no middle company involved when you apply, such as a broker or comparison website.

Many direct lenders will have their own dedicated in house sales and underwriting teams, allowing an efficient car finance decision with more support if you need it throughout the process.

There are no broker fees or hidden charges added on to your car finance repayments by choosing to go directly to a car finance lender.

One of the advantages of applying directly with a car finance lender is that you are only communicating with one company, so you always know who to contact and who is contacting you to further your application progress.

This can help to make the process of getting a car on finance smoother and less confusing than dealing with multiple contact details such as emails or phone calls.

A direct lender can get you approved for car finance before you travel to a dealership. knowing how much you can spend before picking your ideal car can help avoid disappointment in getting rejected for finance or not having enough credit to afford a particular car make or model. Discover the ideal credit score for car finance before applying.

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application tracker

Representative example – Total amount of credit £9,000, annual interest rate 21.75% (fixed), charge for credit £10,092.32 (£9,787.32 interest, £295 admin fee and £10 option to purchase fee), total amount payable £19,092.32. Loan term of 60 monthly instalments, 59 payments of £318.04 and 1 final instalment of £328.04. 40.9% Representative APR – Subject to status and affordability


Who do we offer car finance to?

Here are just a few examples as to why an application may have been refused elsewhere and how you could be eligible for car finance with us.

  • Bad Credit: You may have a poor credit history due to defaults or arrears in the past, we will do our very best to get you approved for car finance.
  • Income: We can include certain benefits income that would normally be excluded by prime lenders while making our decision on affordability.
  • Employment: We can consider your application if you are self-employed, as long as you can provide proof of your income. If you are unemployed, you must be receiving Disability Allowance (DLA) or Personal Independent Payment (PIP) to be considered.
  • Deposit: There is no deposit needed, however if you can provide a deposit or even a part exchange on your previous car this will reduce your monthly repayments.

As an ethical and responsible direct lender, we cannot guarantee that we will accept everyone for car finance who applies, but we will always do our very best to get you approved if we can.


Why choose Go Car credit to directly finance your next car?

As an ethical and responsible lender we work closely with our approved dealers, we don’t just let anyone who is unauthorised and regulated by the Financial Conduct Authority (FCA) sell you a car.

Our personalised underwriting means our process is not completely automated, which means we can take a closer look at your circumstances and affordability on an individual basis instead of just looking at your credit score to make a lending decision.

There is no need to download any phone apps or create an online account with login and password to get car finance with us, after you apply with us, you will have automatic access to your Application Tracker online, so you can easily check on the status of your application anytime you like.

Many of our reviews on Trustpilot come from customers who previously faced declined car finance applications elsewhere. Feel free to read these reviews to see our positive feedback and customer satisfaction.

Our dedicated and friendly teams are here to help guide you through the bad credit car finance process and answer any questions you may have, from making your application to driving away in your new car.



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What happens after I apply?

  • Decision: Our underwriting team will review your application and set a credit limit for your vehicle. You will also see the decision on your online tracker as soon as it is made.
  • Choose a Car: Our approved dealers will help you find a car that suits your credit affordability and personal preference.
  • E-Sign: You can now sign your car finance hire purchase paperwork online to speed up the final process.
  • Drive: Whether you collect your car or choose to have it delivered, you can now enjoy your new car.
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