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frequently asked Questions

  • Bad credit?
  • Good Credit?

We offer quality used cars and specialist finance packages to suit your individual needs.

Before you apply

Who Can Apply?

At Concept Car Credit virtually anyone can apply if they meet these minimum requirements:

  • UK Resident for the last 3 years
  • UK or European driving licence
  • 21 years or older

How To Apply?

Simply choose from one of the most convenient methods to you:

  1. Apply for car finance using our short online secured application form
  2. Call FREE on 0800 093 3385

One member of staff will then process your details immediately and invite you to our used car showroom in Manchester.

Do you carry out a credit search?

Yes, we use information from major UK credit reference and fraud prevention agencies within our underwriting process. If you wish to obtain further information on how finance companies carry out credit scoring, the Finance and Leasing Association provide a consumer guide – you can find this at UK Finance & Leasing Association.

I have a poor credit rating/cCJs - can i get finance?

We try to cater for all types of customers and have an extensive panel of finance companies to support this. Often, with just one issue or a generally weak credit rating, we can supply a financial solution to help you purchase a car. This will depend on your overall financial circumstances, but get in touch and we’ll do our utmost to help.

I’m a student - can i get finance?

This will depend on your overall personal circumstances, so please get in touch and we’ll do what we can to help.

I’m unemployed - can i get finance?

If you are just unemployed at present and in receipt of DLA or carers allowance or a benefit income totalling £1500 per month, it is likely we can help. It really depends on your overall personal circumstances, so get in touch and we’ll see what we can do to help.

What happens once i apply?

Once we have received your details a member of our friendly sales staff will call you and ask a few simple questions to finalise your application. A decision will be made in less than an hour and we will invite you to our used car showroom in Manchester where you can choose your new car.

Choosing the car

What happens next when i’m approved?

Once you are approved we will invite you to our used car showroom in Manchester where you can choose your new car.

In some instances our customers are unable to attend their appointment by car. In these cases we provide a special service and a member from our team will pick you up from the Manchester Piccadilly train station and chauffeur you to our showroom. We will welcome you with a hot drink and a snack while your advisor goes through your details and walks you through the showroom. You can choose your new car there and then and if your details are approved, even drive it home the same day.

do I need to make an appointment to visit?

Yes. We’re open 7 days a week. When we know to expect you, we can make sure we have someone available to answer all your questions straight away. So if you’re going to be in a hurry, or you want to test drive a specific car, the safest option might be to make an appointment.

What do i need to bring with me when i buy a car?

To drive your car away on the day of purchase, you’ll need to bring:

  • Your driving licence (including the counterpart).
  • Utility bill showing your current address dated within the last three months and a proof of signature.
  • Recent wage slips for arranging finance for your car.
  • Documents for your old car if you’re part exchanging.

Does the car come with an MOT?

All the vehicles we offer are of highest quality and have undergone thorough safety tests by our experienced technicians and come with MOT to ensure your complete satisfaction.

If i buy today, will i be insured?

We understand that you’ll want to drive your new car home, but you may not have had the time to search around for a competitive insurance quote. Concept works alongside HPI Driveaway, providing you with five days of free comprehensive insurance, so you have plenty of time to find the cover that best suits both you and your new car. Cover notes are provided within the hour, leaving you to enjoy your new car with complete peace of mind. This is only available to our customers who are 21 or older.

Part-exchange questions

Will you take a ford in part-exchange for a volkswagen

Yes, a Fiat in part-exchange for a Ford, or a Saab in exchange for a Audi? Or any other marque for any of our franchised manufactured vehicles?

Yes, we are happy to take any brand in part-exchange for any other – with no exceptions.

Is my car work anything in part-exchange?

Sometimes very old cars without MOTs or those that will not run can be worth very little but we still take them in part-exchange. This solves the problem of you having to dispose of them.

My MOT has run out, does this matter

No, absolutely not. However it might reflect in the part-exchange value we offer you as the preparation cost could be significantly higher than normal.

What if there is finance outstanding on my current car

No problem. We carry out a history check on every vehicle we take in part-exchange – if there is finance outstanding we can settle this for you. This can be a complicated process but our fully trained business managers will lead you through each step and explain everything in detail.

Can you deliver and collect my part-exchange

If you’ve been into our centre, agreed a deal and signed the relevant paperwork we will be happy to deliver your new vehicle almost anywhere on the UK mainland at a time that’s convenient to you. We will also collect your part-exchange vehicle, creating a seamless handover experience.