Instant Decision Car Finance

instant decision car finance

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

Does Go Car Credit provide an instant decision for Car Finance?

You may have come across the term “Instant Decision” car finance when you have been searching for suitable finance, and you may be wondering what this actually means and if Go Car Credit offer this.

Instant decision car finance usually means that the lender will come back with a decision within 60 seconds or less.

Instant Decision allows you to find out very quickly if you have been accepted for car finance, or indeed if you can be accepted, for a particular car finance plan.

We do not offer instant decision car finance. We are specialists in providing car finance for people who have experienced problems securing finance from mainstream lenders, usually because of bad credit.

When we receive applications, we will review them in detail to ensure we are finding the most affordable solution for our customers and their current financial situation.

We provide a car loan decision in 30 minutes or less, meaning our customers can get on to the fun part of the process and choose the perfect car.

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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

Why instant decision car finance isn’t always what it seems

Often, we see companies advertising instant decision car finance but in fact this may not be the case if you have experienced bad credit in the past, have an income made up of benefits or are self-employed and have inconsistent income. In these circumstances, a decision can usually take longer.

The reason for this is that we have to understand your current financial situation and look at your affordability. As a responsible lender, it is important that we get a clear picture in order to base a decision on that is in your best interests.

We understand that you want to secure finance as soon as possible, so you can start looking for your perfect car. Our underwriting team take less than 30 minutes to make a decision on your application.

Why does it take 30 minutes? Because applications we receive are reviewed by the employees themselves and not just a computer program. This approach allows us to consider any extenuating circumstances such as a poor credit history, self-employment or income from benefits. We view our customers as individuals, not just a number.

Our agents will help you every step of the way to provide all the vital information that you require for your car finance application to get you approved as soon as possible and into your new car.

Many of our dealers offer same day drive away and some of the dealers we work with also offer home delivery options. We want to make the car finance process as easy and stress-free as possible.


Why choose 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. Here are six reasons to go ahead with us:

  • Regulated: Get peace of mind knowing that we’re authorised and regulated by the Financial Conduct Authority (FCA) and are committed to achieving fair outcomes for our customers.
  • Trusted by many: You don’t have to just take our word for it. Check out our positive reviews on the independent customer review site Trustpilot!
  • Responsible: We take an ethical approach to lending, and will work with you to provide affordable, accessible and sensible car finance.
  • Supportive: Our team are always happy to offer help or receive feedback. Car finance works best when it’s built on two-way communication.
  • Fair: We never discriminate. No matter your credit history or personal circumstances, we will review your application on an individual basis.
  • Straightforward: Applying for car finance with bad credit can feel daunting and complicated. We’ll communicate as clearly as possible to ease you through the process.

We provide bad credit car finance across the UK through a network of trusted car dealers. Call our friendly team on 01925 696 373, they’ll be happy to answer any further questions about how it all works.

How do I apply?

Going into a bank to apply for a loan for a car can feel intimidating. And, so can filling out reams of paperwork, too. With Go Car Credit, applying for car finance with bad credit couldn’t be easier.

Enter a few personal details into our secure online application form in a matter of minutes. Once we’ve given you a decision, 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 for making an application and no obligation, so if you change your mind and want to walk away, you can.

Apply for car finance with Go Car Credit today!

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