Car blog

Keep up to date with the latest news and blogs

18 December 2025

Can I Get a Used Car Finance Deal With Bad Credit?

Yes – even with bad credit, it’s still possible to get approved for a used car finance deal, especially with specialists like us at Concept...

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,...

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10 December 2020

Car Loan or Car Lease? Here’s the ONLY answer to that question!

Buying a car is rarely a pleasurable experience. It's expensive, tiresome and time-intensive. Rejection is a realistic possibility. And even if you do get accepted, the danger of a default looms high. Which is why...

3 December 2020

Negative Interest Rates: Will They Destroy Car Finance?

These are strange times. So it's no surprise that even the Bank of England has to resort to extraordinary measures. Still, their most recent announcement did raise an eyebrow or two. As reported by Reuters,...

1 December 2020

You Won’t Believe What Your EMI can do for Your Car Finance!

To all the music fans out there: Curb your enthusiasm. This article is not about that EMI - one of the world's most famous record companies, (former) home to the Beatles and Radiohead. No. This...

30 November 2020

LTV Ratio: The Magic Number in Car Finance

Would you like to know a magic number? A number that can keep you out of trouble when applying for car finance? Which can improve your chances of getting accepted for a loan, while keeping...

24 November 2020

A loan with a long tenure is actually great – if you do it THIS way!

Car loan tenures are getting longer. That's a fact. Whether or not you think that's a good thing, however, remains disputed. Experts will usually argue that increasingly long loan tenures are a problem. You want...

19 November 2020

Never ever buy a car with outstanding finance!

The title of this article is pretty clear. Nevertheless, allow us to repeat the message: Never ever buy a car with outstanding finance! Not even if it's cheap. Not even if it's dirt cheap. Just...

17 November 2020

Experts warn: PCP and HP are the Road to Ruin

Financial website This is Money has issued a strong warning against PCP (personal contract purchase deals) and HP (hire purchase). According to their experts, these financing options are far too complicated for the average consumer...

13 November 2020

Corona & Car Finance: What you need to know now

These are bad times if you need to pay off a car loan. Only a year ago, a virus set the world on fire. There were heartbreaking scenes from hospitals, the end of social life...

11 November 2020

Do THIS to improve high interest rates on bad credit car loans!

Life's unfair – that's a given. It is even unfairer if you're applying for a loan. This is what we see all the time: People with plenty of money on the side not only find...