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Looking for car finance? Drive away today!

  • Bad credit?
  • Good Credit?

We offer quality used cars and specialist finance packages to suit your individual needs.

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You could be driving this today!
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. Representative Example: Borrowing £8,500 over 60 months with a representative APR of 19.9%, the amount payable would be £217 a month, with a total cost of credit of £4,530 and a total amount payable of £13,030. We typically receive a commission for placing your finance with one of our lenders.

Need a car?
Good or bad credit?

We offer quality used cars and specialist finance packages to suit your individual needs.

205 cars

currently available

We Supply a Range of Makes and Modelss

Choose the car type your looking for below to see available option and costss

Audi
Audi

Selected Models

Audi
BMW

Selected Models

Audi
Fiat

Selected Models

Audi
Ford

Selected Models

Audi
Mercedes

Selected Models

Audi
Mini

Selected Models

Audi
Vauxhall

Selected Models

Audi
Volkswagen

Selected Models

Why Choose Concept Car Credit

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Financing Made Easy

Our stress-free finance department will find a repayment plan to suit your needs.

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wide range of brands

You choose from a great selection of popular makes and models that you can drive away the same day!

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Trusted By Thousands

Concept Car Credit has been trading for more than 20 years and helped 30,000+ customers to a newer, better car.

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Fully Serviced & Safety Checked

Each car has undergone a thorough vehicle inspection by our experienced and skilled technicians for your peace of mind.

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Welcome to the World of concept car credit

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Concept Car Credit is a family run business, established since 2004. We aim to put you in the driving seat and are currently working alongside 9 different lenders 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 and come to see our showroom in Manchester (we are just 5 minutes away from the M60, M61 and M62)

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Request a Call Back

Leave your details and we can call you back at a time that best suits you.

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Apply Online Today

Use our quick and easy online application form to apply for your car Finance today

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Call Us For Expert Advice

If your looking for advice or are unsure on how application process works, please contact us.

Frequently asked questions

I’ve had credit issues in the past. Can I still get car finance deals in Manchester?

Of course!

We pride ourselves on offering used car finance in Manchester to as many people as possible – regardless of their credit score.

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 it if you ever find yourself struggling to make a payment.

Contact us today to learn more about getting a car on finance with bad credit.

How long does a car finance application take?

With Concept Car Credit, you can get behind the wheel of your chosen car in less than an hour after applying.

Yes. You read that right!

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.

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.

Why should I choose used car finance in Manchester?

While brand new models 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!

With your safety being a priority, we run tests on every aspect of the car, giving you the peace of mind that you’re in safe hands, and you’ll receive an in-depth report on the inner workings of your new used car.

Take a look at our vehicle inspection page for more information on the checks we complete before we sign the car over to you.

What models can I get as part of car finance in Manchester?

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.

Online Application

Use our car loan calculator to give you a better indication of how your payments will look.

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    Here at Concept Car Credit Limited we take your privacy seriously and will only use your personal information to administer your account and to provide the products and services you have requested from us.

    From time to time we would like to contact you with details of other financial products we provide or think you may be interested in. We never release your information to 3rd parties for marketing. If you consent to us contacting you for this purpose please tick the boxes below to say how you'd like us to contact you:

    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’.

    car

    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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