Bad Credit Car Loans

Welcome to the Go Car Credit Car Loans section, here you will find all the helpful information you may need when looking for car finance to suit your circumstances. We would suggest looking through the information to find answers to your questions. If you still cannot find the answer you were looking for please call us on 01925 696 373 and one of our sales agents will be happy to help.

49.6%APR Representative – Subject to status and affordability


Hire Purchase is one of the most common types of finance for people with bad credit. You hire the vehicle and make monthly repayments until you have paid off the agreed finance. Once all the payments have been made, the car is yours.


Have you heard about ‘Black Box’ car finance and not sure what it is? Does this put you off getting car finance? We want to help you understand ‘black box’ car finance suitable for people with bad credit, and how it can help you on the road to re-establishing your credit profile.


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.


We do not offer guaranteed car finance to our customers and we would advise you to be careful when considering using a car finance company that promises guaranteed car finance to anyone in any circumstances if you have experienced bad credit in the past.


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.

hire purchase

Are you looking to purchase your new car on finance but do not have a deposit or only have a small deposit available to put down? Do not worry as we are here to help and we can offer car finance with no deposit.

no deposit

If you are self-employed or have bad credit you may be struggling to secure finance for your next car purchase. We could help you get the finance you need for the car you want.

self employed

Being on benefits does not mean you cannot get car finance, even if you have bad credit. As Bad Credit Car Finance experts, we understand that some people on benefits have a steady income and we welcome those people to apply for car finance with us.


Is your driving licence valid? Over two million people have an out-of-date photo card driving licence. Did you know there is a £1,000 fine if you don’t renew it so make sure you check yours today. It is very important that all of the details on your licence are correct otherwise, it could be deemed invalid.


Do you want to apply for car finance and don’t know what your credit profile looks like? Or have you recently been declined for car finance due to your credit profile but not sure what’s on it? Why not check using Noddle. Having free and unlimited access to your credit report lets you know where you stand.

credit profile

Unsure on what some of the car finance jargon means or just want more information? Take a look at our frequently asked questions relating to our specialist bad credit car loans.

car loan faq

Go Car Credit take the hassle out of financing your next car. We have focused on keeping the process as simple as possible throughout so you can walk on to a dealer’s forecourt with confidence, helping you get behind the wheel in no time.

how our car finance works