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Self-Employed Car Finance Manchester

Self-Employed and looking for Car Finance in Manchester?

We could help you secure car finance for your next vehicle even if you have refused by other lenders due to being self-employed.

If you’re in Greater Manchester we can help you take the stress out of financing a new car.

We work with car dealers right across the Greater Manchester region who dealers who have hundreds of vehicles on site. We are here to make sure our customers find the right car at the right budget.

We get asked questions about how our car finance works if you are self-employed all the time, please see the criteria below to see if we can help you into your next vehicle.

49.6% APR Representative – Subject to status and affordability

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We will need you to prove your income

  • Bank Statements: You must provide 3 months’ worth as proof of your income
  • Tax Returns: You cannot use tax returns as proof of your income
  • Credit Limit: We calculate your credit limit by totalling your income from your last 3 bank statements and dividing it by 3 get the average income
  • Employment History: You must provide 3 years’ worth
  • Address History: You must provide 3 years’ worth and have been a UK resident for at least 3 years
  • Bank Account: You cannot include cash in hand payments as an income.
    The payments must go into a bank UK account in your name or in the name of a partner or spouse but they would need to be added to the finance application too

We can offer car finance if you are self-employed so apply today

You can buy a car from any of our approved dealers, there is no deposit needed and only takes a few minutes to apply.

Our car finance process is easy, once you apply we will give you a no obligation quote.

If you are looking for car finance in Greater Manchester, Stockport, Bolton, Warrington, Wigan or anywhere else, we can help you get into your ideal vehicle.

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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.

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.

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 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.

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.