Require used car finance? But have bad credit? – Representative 12.9% APR
Then talk to Direct Car Credit – Used Car Finance Specialists
We have specialised in arranging car loans for people with poor credit for a great many years. As such, we have access to specialist lenders and will go out of our way to make sure you get the best deal for your budget.
All that is required from you is that you complete our short application form then sit back and relax. We will search all of the different bad credit car loans available to find the best one for you. We will then call you back, usually within minutes, to let you know what we can do for you.
You may be unsure of your own credit rating, so here is some information to help you understand more.
Bad credit can be brought about by a number of things; missed or late payments towards your credit cards or any other loans or finance, arrears, defaults and County Court Judgements (CCJ’s) which are the main contributors.
Also, as crazy as it sounds, if you have no history of any previous loans on your credit file this can also have an adverse effect on your credit score. So what do you do if you have a poor credit score and need to get a loan for your next vehicle?
As a result of the global credit crunch, a huge number of lenders have withdrawn from the market and people with impaired credit are concerned that they are no longer able to arrange the loans and finance that they need.
The good news is there are however still a number of specialist lenders that offer car loans to people with a bad credit record who also offer very competitive rates.
Direct Car Credit have operated with these companies for many years, and it is our experience within this sector that puts us best placed to help you secure a car loan for your next vehicle.
Yes! Unlike some lenders, we take your benefits into account as income meaning we can arrange finance for you. All credit applications are subject to status, but our panel of lenders specialise in this field.
Yes! You can part exchange your car and, in most cases, this will bring down your monthly payments. You can even part exchange your car if it's currently on finance!
Yes! All of our finance agreements are Hire Purchase which means as long as you make all repayments on the agreement, when your final payment is made the car is yours to keep or sell.
We work with a large panel of lenders. All finance is subject to status so we can't guarantee that you'll be accepted but this is a field in which our lenders specialise, and we get lots of people accepted who have been refused elsewhere.
When we receive your application, we aim to have a decision within the hour.
Yes! This agreement will demonstrate to other lenders you are acting responsible with present and new credit you have taken out.
Our rates start at 12.9% APR. The rate you get will depend upon a few factors, such as your credit history. The rate you are offered will depend on your individual circumstances with a representative rate of 12.9% APR. When you apply, all of this will be taken into consideration and you'll know the rate of interest before finalising your loan, so that there are no surprises.
We have a wide variety of cars to suit all budgets and have lots of different finance plans to work with. That gives us a great opportunity to be able to work with you to find a car that suits your budget.
We sell all the most popular brands and have access to over 100 cars.
We are an AA Approved dealership which means all of our cars have to pass an extensive 128 point check and for extra peace of mind all our cars come with 3 months free warranty which is inclusive of all failures not considered wear and tear, 12 months MOT, and 12 months breakdown cover and you have the option to extend the warranty up to two years.
We sell cars from 2 years old through to 9 years old. That means we have the choice to suit our customers.
Yes, we can often arrange finance for people with poor or bad credit, even if you've been refused elsewhere. We have a large panel of lenders who specialise in helping people with bad credit, so even if you've been refused elsewhere, it's worth applying for car finance with us.
The admin fee is for preparing and arranging the sale and vehicle but it is not connected to any finance agreement entered into.
Apply From Anywhere
Fill in our simple online form from your mobile, tablet or laptop (Representative APR 12.9%).
Receive Approval
You will usually receive our decision within the hour (Representative APR 12.9%).
Pick A Vehicle
Choose from our wide selection of vehicles.
Drive Away!
Pick up the keys to your brand new vehicle and drive away!
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