If you’re looking for car finance in Manchester, we have good news for you. Compared to a decade ago, the market has significantly diversified, offering you a wide range of options to choose from. Deals have generally become better, too, with fierce competition resulting in lower rates. And finally, used cars have gone from being the ugly duck of the industry to its shining star, putting excellent vehicles within your grasp.

There’s only one downside to all these blessings: If you’ve experienced financial misfortunes in the past or if your credit rating isn’t perfect, you will still have a hard time getting a loan. Trying with your bank is usually a waste of time. After all, most banks remain stubbornly over-careful when it comes to providing credit for supposedly ‘risky’ buyers.

So what about car dealers offering ‘guaranteed credit’, we hear you say?

Here, the issue is not just that these credits are riddled with unfavourable conditions. But also that you will generally have to pick a car from a small range of unattractive vehicles. Most dealers can tell if you desperately need a car – and they will scrupulously put that to their advantage.

Thankfully, there are excellent options for used car finance available in Manchester. As a dealer with many, many years of experience in the field, allow us to show you how to find the one that’s right for you.

What to look for in a car finance

So, how to separate the wheat from the chaff? From our point of view, there are three essential requirements for a great dealer:

Wide selection:

Even if finance is your main concern right now, the selection of used cars available at a dealer says a great deal about the general quality of service and the deals you can expect. If the first cars you’ll see on a dealer’s homepage are Landrovers or Hummers, then you’re obviously at the wrong address. But if you only get to choose between 15-year old cars without MOT, then you know that something’s not quite right, either.

A professional car sales company will offer you reliable models from at least four to five different brands and within various price ranges. This shows you that they care about customers actually finding a car that they both really enjoy and can afford. Anything less shouldn’t even be on your radar.

Excellent advice:

The days that a car salesman had a deeper technical know-how about his cars by default are definitely over. Today, many customers that set foot into a dealership are well informed and hardly need any background information on the cars on sale. This, however, by no means makes a car dealer superfluous. Merely, their task has shifted slightly.

What matters today is how a salesman assists you in making the right choices, providing you with all the details about the vehicles in the showroom and helping you understand your own preferences. They also possess the one competence that can not be replaced by online websites and car magazines: Experience in dealing with a wide range of cars every single day. This can be particularly useful if you’re looking for a car that can stand the test of time and want to know how it lives up to its promises in practise.

Easy application process:

It goes without saying that used car finance will require a few background checks. What it does not require, however, is for you to wait by the phone for days and file a plethora of documents just to prove your creditworthiness. Most of the information can be gathered in a few easy steps and a fairly definitive statement about your chances of success can be made extremely quickly.

As our customers will gladly testify, Concept Car Credit checks all the boxes in these departments. In fact, it has made us one of the leading used car finance dealer in Manchester.

So what is that sets us apart from the competition?

Mainly, our used car finance, which is both convenient and highly competitive. Let us walk you through the steps of the procedure.

Used car finance with CCC

Everything either starts on our website or on location at our Manchester dealership. On location, the process is obviously straight-forward. But even if you’re contacting us via email, things are remarkably easy.

After you’ve visited our showroom, browsed through our extensive pool of great-looking and affordable cars and established that we have at least a few options to your liking, send us a short message using our contact form. One of our representatives will then get in touch with you.

During a friendly conversation, we will go through a few simple topics with you and ask you some questions. Afterwards, we crunch the numbers and you’ll get a response. Usually, this is positive and we then welcome you to visit us in our Manchester showroom and see the vehicles from our website for real – which still makes a pretty big difference!

Used Car Finance in Manchester for (almost) everyone!

As we’ve mentioned before, we can’t actually guarantee that we will be able to provide you with a loan. What we can guarantee you, however, is that we’ll give each application a fair chance, regardless of your financial situation.

In practise, a really large percentage of applications are approved. We merely make sure that our customers never get a deal that is beyond their financial capacities.

Our car finance process has three significant benefits: Fairness, Flexibility and a Fast Response:

• Fairness: We won’t turn you down just because you’ve been turned down before. We will also consider anyone whose credit rating isn’t ideal, as long as you can commit to a monthly rate. Our goal is to get you back behind the wheel.
• Flexibility: No two customers are ever the same. So why should your payment schemes be identical? We evaluate each deal depending on what you need and are capable of paying. Together with you, we’ll work out a weekly rate that works for both sides.

Fast Response: We pride ourselves on giving you a final decision within an hour of our phone call. Once the decision has been made, you can come over to our Manchester showroom and select the car that’s right for you.

It is these three advantages that make our car finance packages unique in Manchester.

CCC: Further benefits

If you’ve shopped around for used car finance in Manchester, you will certainly know that an uncomplicated application process isn’t everything. Which is why, with Concept Car Credit, you’re getting a whole lot more to boot:

• We’re a used car specialist and not affiliated with one or two specific brands. As anyone who’s ever tried trading in their car for a new one knows, this can make a huge difference. We treat all brands equally and are not concerned with meeting targets set by major automobile manufacturers. What we care about is giving you a great choice and excellent prices.
• We don’t operate a repair centre. What may sound like a disadvantage is actually a clear benefit for you as a customer. By specialising on used cars and finance, we make sure that you’re getting the best deals rather than looking to sell you spare parts.
• All of our cars have undergone a complete checkup, safety tests and come with a current MOT. Although they’re not new, it is easy to be fooled by just how great they look, feel and drive. Our cars are delivered fully-registered with all requirements completed. We’ll deliver your car wherever you are.

If you’re interested in setting up a finance deal for a used car, there are two options: Get in touch with us through our contact form on the site. Alternatively, you can drop by directly at our showroom to talk to our team and take a look at the cars we have in store for you.

We’re already looking forward to your visit!