We offer quality used cars and specialist finance packages to suit your individual needs.
We offer quality used cars and specialist finance packages to suit your individual needs.
Choose your favourite model below to see our available options.
Our stress-free finance department will find a repayment plan to suit your needs.
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You choose from a great selection of popular makes and models that you can drive away the same day!
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Concept Car Credit has been trading for more than 20 years and helped 30,000+ customers get behind the wheel of a newer, better car.
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Each car has undergone a thorough vehicle inspection by our experienced and skilled technicians.
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Concept Car Credit is a family-run business, established in 2004. We aim to put you in the driving seat and are currently working alongside 9 different lenders – all waiting for your finance application. We are specialists in providing car finance and offer a great selection of high-quality used vehicles suiting everybody’s budget.
Why not call 0800 093 3385? Make an appointment to come and see our showroom in Manchester (we are just 5 minutes away from the M60, M61 and M62).
Leave your details and we can call you back at a time that best suits you.
Use our quick and easy online application form to apply for your car Finance today
If you're looking for advice or are unsure about how the application process works, please contact us.
Of course!
We pride ourselves on offering bad credit car finance in Manchester to as many people as possible – regardless of their credit score. Securing car finance shouldn’t come down to your credit rating!
Although we do look at your credit history, we won’t use this to determine your suitability for getting a car on finance.
Working with you and your budget, we’ll create a finance plan that meets your needs, tweaking your monthly payments if your budget changes – there are no fixed monthly instalments with Concept Car Credit, just flexible terms you can afford.
End your car search and contact us today to learn more about car finance options with poor credit.
With Concept Car Credit, you can get behind the wheel of your chosen car in less than an hour after applying for a straightforward financing option on your dream car.
Yes. You read that right!
We like to make the car finance process easy. After you apply online, await an invite to our Manchester showroom, where you can meet with our experienced team, test drive your favourite cars and learn more about our finance deals – including personal contract purchase (PCP) and hire purchase (HP) options.
Once you’ve made a decision, you can sign on the dotted line and drive away in your new car the very same day.
Choose us as your car finance company in Manchester today, and contact us for more information about our used car finance options.
While car ownership of a brand new model might seem more appealing at first thought, you should consider used models first.
You still get access to modern technology, sophisticated trim levels, and a wide choice of cars – but at a fraction of the cost, which is made even cheaper when you remove the need to buy the car outright.
With your safety being a priority, we run tests on every aspect of the car, and you’ll receive an in-depth report on the inner workings of your new used car. Giving you the peace of mind that you’re in safe hands.
Take a look at our vehicle inspection page for more information on the checks we complete before we sign the car over to you.
Not every driver is the same.
Some want a reliable run around, while others want sportier options to show off.
Whatever you need, we’re confident we have an option for you.
Take a look at our online car showroom to get a better idea of the types of cars we have available – with the prices and specs attached.
If you have any questions about the cars we have available, get in touch with our team today.
Use our car loan calculator to give you a better indication of how your payments will look.
Concept Car Credit is a credit broker, not a lender. Our rates start from 12% APR. The rate you are offered will depend on your individual circumstances. We may receive a commission for placing your finance with one of our lenders’.
Concept Car Credit is a credit broker, not a lender. Our rates start from 12% APR. The rate you are offered will depend on your individual circumstances. We may receive a commission for placing your finance with one of our lenders’.
In light of the recent FCA announcements regarding discretionary commission arrangements, we would like to reassure and remind our valued customers that Concept Car Credit has never engaged in this practice, so our customers are not impacted by this news.
Should you have any questions regarding your finance agreement please refer to the FCA consumer web page on this subject (www.fca.org.uk/carfinance)
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