Looking to obtain car finance and live in the Yorkshire area?

Here at Go Car Credit we are specialists bad credit car finance. We aim to help you find an affordable car that suits your needs, even if you have had bad credit in the past.

If you are in Yorkshire and are looking to buy a new car but need to secure the finance first, then we could help you. Car finance is an easy and effective way of paying for a new vehicle. You can spread the cost of your new car over manageable monthly repayments and no need for a deposit.


We could help you if you have experienced any of the below:

  • No Credit History
  • Poor Credit History
  • Unemployed
  • Self employed
  • CCJs
  • Defaults & Arrears
  • Benefits income
  • Part Time Employment
Bad Credit Car Finance

We have extensive experience of approving car finance applicants in your area. We specialise in accepting those who have bad credit and are worried they may not be approved elsewhere or who have even been refused car finance from other lenders.

With a wide range of used car dealers in Yorkshire the chances of finding a great car are better than ever. You can buy a car from one of our FCA Approved car dealerships in Yorkshire or around the UK, so regardless of the brand of car you are looking for we can supply the finance for you.


We cover the following areas within Yorkshire:

  • Bradford
  • Darlington
  • Doncaster
  • Huddersfield
  • Harrogate
  • Hull
  • Halifax
  • Lancaster
  • Leeds
  • Sheffield
  • Wakefield
  • York

Frequently Asked Questions on our Car Finance

Do I have to work full time to get car finance?

No, you don’t. We do accept applicants who work part time or have benefits as an income.

You will need to have an income of £1000 a month or more for the application but this can be made up of an employed part time wage together with a benefits income. Or if you are only working part time and do not earn £1000 a month you could add a joint applicant to enhance that income amount.


Can I use my benefits as a form of income towards the car finance?

Yes, you can. Unlike some lenders we consider benefits as an income. Types of benefits we accept as income:

  • Income support
  • Child tax credits
  • Working tax credits
  • Housing benefits
  • Disability allowance (DLA)
  • Carers allowance
  • Personal Independent Payment (PIP)

What if I am Unemployed?

We do offer car finance for the unemployed, but please note that if that applies to you, you must receive DLA or PIP to be considered. If you don’t have one of these then we would recommend you add a joint applicant who is employed.


I have a CCJ/have made defaults in the past which I am paying off now but will that affect my acceptance for car finance?

We are happy to consider providing car finance to people who have missed payments or have a bad credit rating. However, if you have fallen behind on repayments on other credit agreements it would be in your interest to do everything you can to get the repayments up to date quickly in order to improve your chances of being accepted for car finance with bad credit.


Looking to start your car finance journey with us? Apply today in less than 2 minutes!