Are you a driver aged between 18-25 years old? If you’ve struggled to find affordable car finance, we’re here to help with flexible payments that work for you.
If you’re a young driver, you already know that it costs a lot to drive.
Insurance costs are higher due to your age, and buying a car outright, or even getting finance, can be just as pricey. Limited credit history, lower income, and being statistically “high-risk” mean automatic declines, even if you can afford the payments.
That’s why, here at Concept Car Credit, we specialise in young driver car finance. From helping educate about what you’ll need to know as one, to helping you get a car that works for you, our expertise comes from practicality. We look at your ability to pay, not just your age or credit score. If you can afford the monthly payments, we’ll do what we can to get you approved.
Young drivers aged 18-25 typically have minimal credit history.
No credit cards, no previous loans, no mortgage. Mainstream lenders see this as “unscoreable” and reject you automatically.
Instead of letting a machine handle the process, we work with specialist lenders who approve young drivers with limited or no credit history. This is possible because instead of just looking at your credit file, we focus on your current ability to pay.
Be sure to try out our car finance calculator before getting in touch, but know that our team will do all we can to help you get on the road as soon as possible.
If you’re earning £12,000 to £18,000 annually, traditional lenders will often turn you down.
Students, part-time workers, and apprentices often find it hard to get finance for a car they really need.
That’s why, instead of just looking at your gross salary, we assess your actual disposable income after bills. Whether that’s from student loans, part-time wages, or apprenticeship pay, all forms are valid. If you can afford the monthly payment, we’ll find you a lender that isn’t offering a sky-high interest rate.
For illustration purposes only. The rate and payment you may be offered will be based on your individual circumstances.
Concept Car Finance Limited is a credit broker, not a lender. Credit is subject to status.
£0.00
at 14% APR
Vehicle Price: £0.00
Deposit: £0.00
Amount to Finance: £0.00
APR: 0.00%
Option-to-purchase fee: £10
Total Cost of Credit: £0.00
Total Repayable: £0.00
Car finance spreads the cost of a car over affordable monthly payments.
Here’s how it works for young drivers aged 18-25:
What we need from you is:
Young drivers trust Concept Car Credit because we say yes when banks say no.
Our staff have already helped 5,000+ young drivers get on the road through manual reviews, not rigid automated systems, which is why we’re a highly rated dealership. On top of that, we’re FCA regulated, working with lenders who provide fully transparent pricing, flexible 24-60 month terms, and 0% deposit options.
With over £1M invested in vehicle reconditioning, a physical Manchester showroom for test drives, and a 4.7/5 Trustpilot rating from 3,400+ reviews, you can drive away with confidence and build your credit at the same time.
Our initial application is a soft search, which means zero impact on your credit score.
Only a full application (after approval) shows on your credit file.
No. You don’t need a guarantor to help secure car finance.
However, it’s a good option for those with no credit history or poor credit, and those working part-time. It’s basically someone who will cover the cost of the loan if the primary borrower is unable to do so for any reason, acting as a safety net if anything happens.
HP (Hire Purchase): Fixed payments at a slightly higher price point, but the car is yours once you’ve finished paying it off.
PCP (Personal Contract Purchase): Lower monthly payments, but you’ll have to pay a lump sum (or return the car) at the end of the contract.
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
