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Contactless Car Buying

We understand the world is changing and more and more purchases are moving to contactless. Why should the car buying process be any different?

As a finance provider we are focused on making the car buying process simple and stress free and what could be simpler than having your new car dropped straight to your front door by the dealership?

Our approved dealers can offer our customers the option for a home delivery, meaning you can choose your new car from the comfort of your sofa.

Apply today and you could be driving your new car sooner than you think!

49.6%APR Representative – Subject to status and affordability

contactless delivery

How Contactless Car Buying Works

  • Apply for car finance through our website, complete our simple car finance application form.
  • We will submit your application to our underwriting department for review. Once conditionally approved for finance we will provide you with a provisional credit limit that you can provide the dealer so they can help you select a car that fits in with your budget.
  • We will help you find your perfect car through one of our approved dealers. They will provide you with a link to their stock where you can shop their cars and look at suitable options for you. You can ask questions on the car spec, warranties that may be included and anything else you want to know about your next car purchase.
  • You will need to provide all the documents we require such as proof of income and identification, this will be done online and subject to these being approved, we can offer you a full approval for finance.
  • Sign the paperwork online and then the dealer will be in touch to book your delivery slot for your car to be delivered straight to your door.
  • A Sales Executive from the dealership will call you after you have taken delivery of your new car to provide you with a demonstration, and make sure you are comfortable with all of the controls and features of your new car.

Why Choose Go Car Credit

  • Re-establish your Credit
  • Specialist in Bad Credit Car Finance
  • No Deposit Required
  • UK Home Delivery
  • Rated Excellent on Trustpilot

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You can follow the progress of your application through our application tracker which will provide you with updates on its status and the stage it is at.

Use our finance calculator to see how much you could borrow and what your monthly payments would be. There are no hidden fees or additional extras with our car finance so you know exactly what you are paying each month.

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

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Frequently asked questions

What is Hire Purchase Car Finance?

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.

Will I qualify for Car Finance with Go Car Credit?

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.

How much can I borrow?

We can offer loans from £3,000 to £10,000. Use our car finance calculator to see what your fixed monthly payments would be.

How do I apply for car finance?

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.

What is your lending criteria?

  • •You are a UK resident for at least 3 years. (We are unable to provide finance for those living in N.Ireland)
  • • You have a full UK Driving Licence.
  • • Your income is over £1000 and paid directly into a UK bank account.
  • • You are able to provide 2 months consecutive pay slips or if self-employed, 3 months consecutive bank statements.
  • • You are over 18.
  • • You are not in an active bankruptcy or debt relief order.

I have got bad credit, will I still get approved?

We are specialists in providing car finance to people who have experienced bad credit in the past.

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-employed or any 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.

Do you do guarantor car finance?

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.

Can I get car finance if I am on benefits?

Yes, you can. 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.

Can I choose any car?

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.

Why is your APR higher than other lenders who offer car finance?

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.