• Home
  • Bad Credit Car Finance: Tips and Options

Bad Credit Car Finance: Tips and Options

Your safety and the safety of others are the most important principles that we at Concept Car Credit believe in.

Poor Credit Car Finance at Concept Car Credit

Poor credit scores can appear due to financial difficulties, credit issues, or having never taken out a loan or credit agreement.

Concept Car Credit specialises in bad credit car loans and finance deals for those who have been turned away because of a low credit score or poor credit score.

Here’s what you need to know about applying for car finance with a bad credit history.

quality car

Understanding Bad Credit Car Finance

If you have a poor credit rating, it’s likely you won’t get accepted by lenders and credit reference agencies to get the car you’re interested in. To them, it looks like you won’t be able to afford the repayments or will pay them late.

On the other hand, you may get accepted, but have to pay a much higher interest rate, making the whole thing much more expensive than it has to be.

Many people choose a car finance deal to intentionally improve their credit rating, helping them to achieve financial freedom in the future, and giving them a higher chance of getting accepted for loans and mortgages.

Regardless of your credit history, there are a few ways you can still get car finance at a rate you can afford.

quality car

Reasons for having a bad credit score

Financial difficulties in the past
If you’ve missed a loan payment in the past or haven’t been able to pay in full, you’re unlikely to have a good credit score.

Have never taken out a loan or credit agreement
If you’ve always paid for things in cash, or have never taken out any kind of loan or finance agreement, you will have little to no credit history.

Shared credit
If you’ve shared your credit with another person with bad credit, it will have a knock-on effect on yours.

Legal debt issues
If your credit issues have resulted in a CCJ, IVA, DMP, or DRO, or have declared bankruptcy, it will be marked on your credit file.

quality car

How To Improve A Bad Credit Score

Improving your credit score can seem daunting, but there are a few ways you can give it a boost including:

Make payments on time, in full

Missed payments or paying a monthly instalment too late can hugely impact your credit score. Make them in full and on time when you can.

Keep an eye on your credit file

Sadly, things can crop up on your credit report, affecting your score. By checking it regularly, you can ensure everything is correct and report any problems quickly.

Think before you spend

Before you whip your credit card out, stop and think. Relying on it too much and not paying it off can cause your score to drop.

Register for the electoral roll

Registering for the electoral roll helps to verify your identity, making it easier to build credit.


How To Get A Bad Credit Car Finance Agreement

Struggling to get a car finance deal?  As a reputable ‘bad credit’ lender, here at Concept Car Credit, we strive to help as many people as possible afford car finance, regardless of their credit history.

We work with you to figure out a suitable plan for your monthly repayments based on more than just your credit score. We look at a combination of the car loan cost, your budget and lifestyle to work out a fair car finance agreement.

And, if you’re struggling with your monthly payments, just let us know and we’ll tweak your plan to suit your budget – you never have to worry about missed payments with us.

So, if you have a bad credit history but want the flexibility of getting a car on finance, get in touch with us for bad credit car finance.

quality car

Why choose Concept Car Credit if you have a bad credit history

Tailored finance plans
Here at Concept Car Credit, we understand that not every driver is the same, and neither is their budget. With us, you’ll get bespoke car finance offers based on the car you choose and your budget – but never your credit history.

Outstanding customer service
We’ve supported countless drivers in the Manchester area and beyond, organising a finance agreement to help them get their chosen car at a price they can afford.

Our experts have been in the industry for years, offering support and guidance to those worrying about their low credit scores.

Wide range of cars to choose from
From Audi to Vauxhall, we have a huge selection of cars available, with different specs, trim levels and models for you to try.

Take a look at our online car showroom to see the cars waiting for you to test drive today.

Apply today

quality car

Improving Your Credit Score for Better Car Finance

Concept Car Credit specialises in poor credit car finance plans.

Whether you have a bad credit score or not, we’ll guarantee car finance deals that improve your credit report by providing manageable monthly payment plans and transparent terms. Our approach is tailored to help you not only get behind the wheel but also to build a stronger financial foundation for the future.

quality car

Help an outstanding cause.
It’s more than just a car.

Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.

205 cars

currently available

Frequently Asked Questions

How does bad credit car finance work?

Bad credit car finance works exactly the same as standard car finance, with just a few leniencies in the eligibility criteria.

If you’ve got bad credit but want to enjoy a car finance agreement and all the perks that come with it, here’s the process you’ll go through when you choose Concept Car Credit:

  1. Application Apply for finance online for an invite down to our Manchester showroom to meet with our expert team and view our available cars.
  2. Assessment – Our friendly team will talk you through getting a car finance deal with bad credit and which option is best suited to you.
  3. Choose your car – Whether you want an electric or diesel, manual or automatic, SUV or sporty car, we have the option for you.
  4. Agreement – By signing the dotted line you are agreeing to the terms in your personalised car finance agreement, making the car yours.


Depending on your deal, you can make an optional final payment to make the car yours or trade the car in for a different model at the end of your finance agreement.

Get in touch for guaranteed car finance, regardless of your credit history.

What kind of cars are available for bad credit car finance?

Don’t think you’ll be restricted by choice with car finance just because of your credit history. As the experts of bad credit car finance, we believe everyone should have the car of their dreams at a price they can afford.

When you choose Concept Car Credit for your car finance deal, you can choose between over 200 cars from every car manufacturer you can think of – regardless of your credit rating.

Apply online or get in touch to learn more about bad credit car finance and the cars we have available for you to drive home today.

Will getting car finance improve bad credit?

By going to a bad credit car finance company – like us – you can improve your credit rating by showing you can make on-time payments.

Such responsible financial behaviour greatly improves your credit report, giving you the chance for financial freedom in the future too.

How long does the car finance application process take?

Getting car finance with Concept Car Credit takes less than an hour in most cases.

Our fuss-free approach to car finance agreements means you could get behind the wheel of your chosen car the same day you apply!

Apply now for guaranteed car finance.

Who can apply for car finance?

Every provider has different requirements when it comes to applying for car finance deals.

Here at Concept Car Credit, ours are as follows:

  • UK Resident for the last 3 years
  • UK or European driving licence
  • 21 years or older


If you meet these criteria, apply online today and we’ll be in touch with more information on the next steps.