Don’t worry if you’re not sure whether you’re eligible for our car finance, we are focused on making the process as easy as possible so you can be driving away your new car soon!
We understand that you might be worried about your eligibility due to needing car finance but have a bad or poor credit profile, income from self-employment or benefits.
Take a look at the below information in relation to our criteria. It will help you understand whether we would be a suitable car finance provider for you.
If you have more questions about your eligibility for our car finance our agents are here to help. Please call us on 01925 696 373 and we would be happy to answer any questions you may have.
When we have approved you for finance and you are sure that you want to go ahead with car finance then we will carry out the hard credit search. We do not want to leave a search on your credit file until you are 100% certain that you want to go ahead with us.
Representative example – Total amount of credit £9,700, annual interest rate 18.25% (fixed), charge for credit £9,156 (£8,851 interest, £295 admin fee and £10 option to purchase fee), total amount payable £18,856. Loan term of 60 monthly instalments, 59 payments of £314.10 and 1 final instalment of £324.10. 34.6% Representative APR – Subject to status and affordability
We want to help those who have been declined by other lenders in the past and ensure you have access to the credit you need to purchase a new car.
In order to be considered for a car loan with us you must meet the below criteria:
If you meet the above criteria, we can consider you for a car loan and you should apply today!
As a responsible lender we want to make sure that the vehicle is right for you and your circumstances so we have the below vehicle criteria in place:
We would suggest you think about the costs linked with your choice of vehicle such as fuel, insurance, tax, MOT, servicing and maintenance costs, as these will all have an impact on the affordability of the vehicle. The finance is secured on the vehicle, so if you don’t keep up with the monthly repayments, Go Car Credit can repossess the car.
We are specialists in providing car finance to people who have a poor or bad credit profile. We work with you to understand your current financial situation and find an affordable car finance solution.
Here are just a few of reasons why we could be the perfect car finance provider for you:
You can choose your perfect used car from any of the dealerships across the UK. We also have dealerships that offer same day driveaway and contactless car delivery, meaning you could choose your new car from the comfort of your sofa and have it delivered straight to your front door.
We aim to make the process of getting a new car as straightforward as possible.
All you have to do is complete our online application form.
If you are approved for finance, we’ll give you a provisional credit limit and help you find your perfect new car through one of our approved dealership across the UK.
The last step is to sign the paperwork and then you can drive away your new car!
We do not base our decision on your credit score. We are specialists in bad credit car finance and help people who may have had trouble obtaining finance elsewhere. We do this by looking at your affordability as opposed to credit scoring. We do perform a credit search to review your financial history, but our lending decision is not solely based on this.
Unfortunately not, we can only provide finance for people who have a full UK driving licence.
The vehicle will be required to have fully comprehensive car insurance. This is not included as part of your car finance and will need to be taken out separately. Failure to do so would mean you are in breach of your agreement with us.
