• Mon - Fri 8.30am - 8pm, Sat 8.30am to 6pm, Sun by appointment only

    Bad Credit Car Finance From Concept Car Credit

    Quality used cars and specialist finance packages to suit your individual needs.

    Over £3 MILLION Pounds worth of Applications approved last month!

    Concept celebrates selling it’s 20,000th car during 2018!


    We call you back at the time that suits you best

    Apply Online!

    Using our quick and easy online application form.

    Call us free


    Financing Made Easy

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

    Wide Range of Brands

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

    Trusted By Thousands

    Concept Car Credit has been trading for more than 15 years and helped 20,000+ customers to a newer, better car.


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


    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).

    Guaranteed Car Finance

    At Concept Car Credit, we don’t want to see you fail, but succeed. We’ll find a solution – even if you’ve had financial difficulties in the past.

    Car finance with us is almost guaranteed. We offer flexible terms, attractive rates and monthly payment targets you can actually meet. You may not even have to go through the ordeal of a credit check.

    Apply now. Your chances have never been better.

    Easy Financing

    Applying for a loan with us is straight-forward. Forget about cumbersome conversations with bank managers and getting your paperwork ready.

    Just fill out our online application form and we’ll get back to you with an offer that’s tailored to your needs. You won’t believe how easy car finance can be. You could literally be behind the wheel again within hours.

    Find out more about our used car and finance deals.