Get approved for a car, even with CCJs, defaults, arrears, or missed payments. We've helped thousands get back on the road with affordable, transparent finance options.
Poor credit scores can appear due to financial difficulties, credit issues, or having never taken out a loan or credit agreement.
Concept Car Credit specialises in bad credit finance and bad credit car loans for those who have been turned away because of a poor or low credit score.
This means we look at each case individually, and don’t automatically reject you. What matters is your ability to repay.
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
If you have a poor credit rating, it’s likely you won’t get accepted by lenders and credit reference agencies to get the car you’re interested in.
To them, it looks like you won’t be able to afford the repayments or will pay them late.
On the other hand, you may get accepted, but have to pay a much higher interest rate, making the whole thing much more expensive than it has to be.
Many people choose a car finance deal to intentionally improve their credit rating, helping them to achieve financial freedom in the future, and giving them a higher chance of getting accepted for loans and mortgages in the future.
Financial Difficulties in the Past
If you’ve missed a loan payment in the past or haven’t been able to pay in full, you’re unlikely to have a good credit score.
Have Never Taken Out a Loan or Credit Agreement
If you’ve always paid for things in cash, or have never taken out any kind of loan or finance agreement, you will have little to no credit history.
Shared Credit
If you’ve shared your credit with another person with bad credit, it will have a knock-on effect on yours.
Legal debt issues
If your credit issues have resulted in a CCJ, IVA, DMP, or DRO, or have declared bankruptcy, it will be marked on your credit file.
Improving your credit score can seem daunting, but so can getting car finance if you’ve got bad credit.
Here’s how we help you:
County Court Judgments (CCJs) and credit card or loan defaults automatically disqualify you from most mainstream lenders, regardless of whether they’re satisfied or years old. We work with specialist lenders who consider applicants with CCJs and defaults, helping you get used car finance by focusing on what you can afford now, not your past.
Every on-time payment is reported to credit agencies, helping to improve your credit score and unlock better rates in the future. We structure affordable monthly payments you can manage, so you can rebuild your credit while getting the car you need.
If you’ve never had credit, many lenders see you as “unscoreable” and reject you automatically, even if you’ve never missed a payment. By partnering with specialist lenders who assess your current income and outgoings, not a credit history you don’t have, we can offer options where others don’t.
Many bad credit lenders charge extremely high APRs, meaning most of your monthly payment goes on interest rather than paying off the car, leaving you owing far more than it’s worth. Working with lenders who offer more competitive rates means more of your payment goes towards owning the car, not just servicing interest.
APR rates for bad credit car finance are typically higher than standard finance, as lenders take on more risk.
The exact APR you are offered will depend on your individual circumstances, including your credit profile, income, deposit, and the vehicle you choose. All rates are clearly explained before you commit to an agreement.
Struggling to get a car finance deal? As a reputable ‘bad credit’ lender, here at Concept Car Credit, we strive to help as many people as possible afford car finance, regardless of their credit history.
We work with you to figure out a suitable plan for your monthly repayments based on more than just your credit score. We look at a combination of the car loan cost, your budget, and lifestyle to work out a fair car finance agreement.
If you’re struggling with your monthly payments, you can just let us know, and we’ll tweak your plan to suit your budget – you never have to worry about missed payments with us.
So, if you have a bad credit history but want the flexibility of getting a car on finance, get in touch with us for bad credit car finance.
To apply for bad credit car finance, you will usually need a valid UK driving licence, proof of address, and proof of income such as payslips or bank statements. Additional documentation may be requested depending on your circumstances, and our team will guide you through the process.
Tailored Finance Plans
Here at Concept Car Credit, we understand that not every driver is the same, and neither is their budget. With us, you’ll get bespoke car finance offers based on the car you choose and your budget, but never your credit history.
Outstanding Customer Service
We’ve supported countless drivers in the Manchester area and beyond, organising a finance agreement to help them get their chosen car at a price they can afford.
Our experts have been in the industry for years, offering support and guidance to those worrying about their low credit scores.
Wide Range of Cars to Choose From
From Audi to Vauxhall, we have a huge selection of cars available, with different specs, trim levels and models for you to try.
Take a look at our online car showroom to see the cars waiting for you to test drive today.
Applying for bad credit car finance through Concept Car Credit does not automatically impact your credit score.
Initial eligibility checks are typically carried out using a soft search, which is not visible to other lenders. A hard credit check may only be completed once you choose to proceed with a finance agreement.
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
Yes, Concept Car Credit is authorised and regulated by the Financial Conduct Authority (FCA).
This means we must follow strict guidelines designed to protect customers, ensure transparency, and promote responsible lending. You can apply for finance knowing you are dealing with a regulated and reputable credit broker.
Yes.
We offer 0% deposit bad credit car finance. However, a larger deposit will reduce your monthly payments and the total interest paid.
We don’t do yo-yo financing.
It’s a sadly common problem where a dealer may let you drive away, only to let you know your financing fell through days later. Not with us: Your approval is 100% locked in before you drive away. No call-backs, no switched terms, no hidden fees; everything is done in line with FCA regulations.
If this has happened to you, don’t worry – you’re exactly who we’re here to help.
Mainstream lenders reject most bad credit applications, but we specialise in getting those same people approved with specialist lenders.
