We offer quality used cars and specialist finance packages to suit your individual needs.
Do you have your eye on your dream vehicle but can’t face the price?
At Concept Car Credit, we have the solution.
Our used car finance options allow you to enjoy all the perks of owning a car without breaking the bank.
Apply online today to learn more.
Whether it’s your first car or not, credit scores can often be a worry when choosing a finance company. But with Concept Car Credit, you don’t have to give it a second thought.
Just because you’ve had credit problems in the past, it doesn’t mean it should hold you back from getting behind the wheel of your favourite car.
While we do conduct soft credit checks, we won’t use this against you. Our finance specialists will work with you to organise a finance deal with monthly repayments that align with your income and budget, as well as a competitive annual interest rate.
Believe it or not, a finance agreement can improve your credit score. It shows potential lenders that you can demonstrate financial responsibility by making regular, full, and on-time monthly payments. From the initial payment to the final payment, you’ll notice a great improvement in your credibility.
With our unbeatable selection of used cars, great customer service, and flexible finance options, why wouldn’t you choose Concept Car Credit to provide you with your dream car?
Since we’ve opened our doors, we have been committed to providing competitive pricing on quality used cars. We’ve spent over ONE MILLION POUNDS reconditioning cars, making sure everything from the engine to the radio is in working order.
If you’re not much of a car expert, don’t worry. As car sales experts, just tell us what you need and how often you drive, and we’ll recommend the right car for you.
Ready to swap out your current vehicle for a quality used model on finance?
Apply online now and get behind the wheel of your chosen model in less than an hour with one of our flexible car finance options.
To be approved for used car finance in Essex, you must:
If you’re toying with getting your next vehicle on a finance plan, the most common types are HP and PCP.
PCP is classed as a loan type that you pay back over a specified period (usually between 3 and 5 years). Then, at the end of the agreement, you can choose to pay a ‘balloon payment’ to own the car or swap it out for a different model.
HP, however, is when you own the car outright at the end of your agreement.
Don’t worry if you’re not sure which is right for you, our experts are here to talk you through our available options and recommend the most suitable one for your lifestyle.
To learn more about car finance in Essex, give us a call today.
We pride ourselves on our selection of used models.
From speedy sports models to reliable family cars – and everything in between – we guarantee we have the ideal car for you on a finance plan that suits you.
All cars are available with an annual interest rate fixed from your initial payment, competitive rates, and customer reviews that stand out above the rest.
Check out our online car showroom and apply today once you’ve found your favourite.
If you have any questions, don’t hesitate to contact us – we’re more than happy to talk you through the whole process so it’s as stress-free as possible.
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
