• 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.

Concept celebrates selling it’s 26,000th car during 2021!


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 16 years and helped 26,000+ 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.


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).

Low repayments

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.

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.

Concept Car Credit is a credit broker, not a lender. Our rates start from 5.9% APR. The rate you are offered will depend on your individual circumstances.

Representative Example:

Borrowing £6,000 with a £300 deposit over 48 months with a representative APR of 12%, the amount payable would be £150.10 a month, with a total cost of credit of £1,504.80 and a total amount payable of £7,504.80

Car Loan Calculator

Vehicle price (£)
Interest rate (%)
Period (YEARS)
Deposit (£)
Monthly Payment
Total Interest Payment
Total Amount to Pay