Finding a family car that fits your life shouldn’t mean stretching your finances to the limit. At Concept Car Credit, we help families across the UK buy a quality used car through flexible Personal Contract Purchase (PCP) finance, with monthly payments built around what you can afford. We work with a specialist panel of nine UK lenders to find you the best family car finance deals available, even if you’ve had credit problems in the past. Browse our collection of more than 200 used cars, use the calculator to estimate your monthly costs and apply online in a few minutes. Concept Car Credit is authorised and regulated by the Financial Conduct Authority. We’re a credit broker, not a lender. FCA ref: 659076.
Personal Contract Purchase – PCP – is one of the most popular ways for families to get their new car without paying the full amount up front while reducing their monthly payments.
How it works:
PCP is popular with families because part of the payment is deferred until the end of the agreement, which makes your monthly repayments lower that other types of finance like hire purchase.
When you’re looking for family cars on finance, your choice of vehicle and the finance plan you choose work together so you get the car you need within your budget.
Depending on your family needs, we’re confident you’ll be able to find a used family car with the right features from our collection. Some of the things you might be looking to prioritise could include:
If you’re not sure which car best suits your needs, come visit us at our Manchester showroom and our team will be happy to help you find the right vehicle from our current stock as well as providing a range of affordable finance options.
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
Fill out your details below to submit your application
If you’ve got some patches in your credit history you might be wondering if you can still apply for a car finance. With Concept Car Credit the answer is yes.
Your credit score can affect the interest rates you’re offered, but it won’t automatically rule you out from being accepted. Working with our panel of nine specialist lenders your application will be assessed based on your family’s current affordability and circumstances, not just your past.
Having helped more than 30,000 people finance their car purchase, we’ve regularly worked with families with bad or low credit scores, no credit history, previous financial difficulties (including CCJs) and those who’ve had recent changes in their circumstances.
Each application is dealt with on its own merits and we’ll work hard to find a deal that works for your family life and budget.
Applying for car finance with Concept Car Credit is a straightforward process:
Soft search only that won’t affect your credit score
To help you plan ahead, you can use our finance calculator to estimate your monthly repayments.
By adjusting the vehicle price, deposit amount, and finance term, you’ll get a clearer idea of what your payments could look like before applying.
Using the finance calculator allows you to
To complete your family car finance application, you’ll usually need to provide a few standard documents.
These help lenders verify your identity and affordability.
Commonly required documents include:
If your family income is variable or you’re self-employed, bank statements showing regular deposits will usually serve as proof of income. Speak to our team if you’re unsure what to provide.
Whether you need a car with more seats, a bigger boot, better mileage or just a more reliable runaround for the school run, getting your dream car on finance with Concept Car Credit is a straightforward way to get the vehicle your family needs at a monthly cost that fits well within your budget.
Start your online application and we’ll handle the rest so you can focus on choosing the right family car.
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
Personal Contract Purchase finance typically requires a 10% deposit, but we have a range of low deposit and no deposit finance options available so this won’t stop you getting your ideal car.
Providing a deposit can reduce your monthly payments or improve the interest rate you’re offered, but we can find a solution that fits your needs.
Yes. Our panel of nine lenders includes specialists in non-prime applications who assess your affordability today, not just based on your credit history and score. Even if you have bad credit, defaults, CCJs, or have no credit history at all, you’ll still be considered.
Not when you apply, no.
During your car finance application we use a soft search, which doesn’t appear on your credit file and can’t be seen by lenders. A full credit search will only be done once you’ve agreed to the terms of an agreement, but as long as you keep up with the payments this won’t have a negative impact on your score and can actually improve it longer term.
Yes.
If you’re looking to upgrade your car and have one to part-exchange you can use the trade-in value as a deposit against the purchase price and reduce the amount of car finance you need to borrow.
