Car blog

Keep up to date with the latest news and blogs

16 September 2025

How to Decide Between a New and Used Car

So, you’re on the market for a new car? But, do you go brand spanking new or pre-loved? Deciding on the right car for you...

16 September 2025

What is a Service Schedule, and Why Should You Stick to it?

So, you’ve got your next car with Concept Car Credit…but what now? Whether you’re driving for long distances or just to the shops and back,...

26 August 2025

What is Hire Purchase (HP) and how does it work?

If you’re new to car finance, you might be looking at ways to purchase a car without the lump sum. Hire purchase (HP) is a...

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15 March 2022

Just be nice! Why the soft strategy to car finance is key to success!

Are you thinking about how to improve your chances of car finance? Do you have a bad credit rating, a poor credit history, limited income and low savings? Are you worried that you won't be...

8 March 2022

Covid Car Finance: The old ways don’t work anymore! But what does?

Wouldn't you like a magic solution to the Covid car finance crisis? A recent article in newspaper The Guardian seemed to promise just that. Titled “Car finance: how to get a deal on a new...

3 March 2022

Easy, flexible and short car finance deals: Why they’re great – and why they’re not.

According to a recent survey, car finance in the UK will undergo some serious changes. More and more drivers are dissatisfied by car deals and demand better conditions. Are you one of them? Do you,...

1 March 2022

Used car finance 2022: How to get the best loan

Let's face it: 2019 and 2020 were horrible years for the car industry. Car finance, too, suffered tremendously. But for car buyers, they were pretty amazing. With dealers trying everything they could to lure in...

25 February 2022

No more car finance? Will car dealers disappear?

Car dealers don't have the best reputation. And yet, each year, they're helping thousands of UK citizens get behind the wheel. As banks and credit unions are losing their commanding position as finance brokers in...

24 February 2022

Help! I can no longer afford a used car!

Quite a few science authors have predicted a future without cars. They probably weren't thinking of cars getting too expensive. And yet, this is precisely what the UK car market seems to be destined for....

6 May 2021

Are zero down payment auto loans a terrible idea?

Down payments can be a serious problem for many car buyers. As bad as high purchase costs, insurance policy and road tax fees may be, they usually present surmountable obstacles. Having to put down another...

4 May 2021

What is the minimum credit score I need for a car loan?

redit scores, in theory, tell a lender how trustworthy you are. With that in mind, you'd assume that a good score leads to acceptance and a bad one to rejection. So all you need to...

29 April 2021

Lenders aren’t even looking at your car credit score!

The world of finance is murky. Very murky, in fact. Truths are hard to find, facts difficult to distinguish from rumours. But so far, it has always seemed you could rely on one thing: Lenders...