We don’t think just because your income is made up of benefits then you shouldn’t be able to secure car finance for your next car purchase.
Here at Go Car Credit we specialise in helping people who have an income from benefits secure car finance. We understand that some people on benefits have a steady income and we welcome those people who live in Portsmouth and surrounding areas to apply for car finance with us. We can also help if you have experienced bad credit and may have a low credit score.
49.6% APR Representative – Subject to status & affordability.
Apply for car finance through our simple online application form and you could be driving away a new vehicle sooner than you think.
We will send your application to our underwriting department for assessment. Once conditionally approved for finance we will provide you with a provisional credit limit.
We will help you find your perfect car through one of our approved dealers. Many of our dealers offer same day drive away, which means you could be driving away your new car in a matter of hours.
You can sign all the paperwork online and then it’s time to drive away your new car.
We can help you find a new car in the Portsmouth area or at one of our dealers across the South East region so you don’t have to travel too far to find your perfect car.
Our dealers have hundreds of cars on site, so you are sure to find one near your location that suits your budget too. If you need car finance in Portsmouth, Southampton, Chichester, Isle of Wight or the surrounding areas we can help you find your perfect car.
To apply for car finance through ourselves, please note that you must have an income from employment in addition to any other benefits to be considered for a loan.
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.
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.
We can offer loans from £3,000 to £10,000. Use our car finance calculator to see what your fixed monthly payments would be.
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.
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.
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.
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.
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.
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.