Browse over 200 quality used cars and get a finance decision in under an hour, whatever your credit history
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
View our used cars
Here at Concept Car Credit, we have 100’s of cars in stock. Our massive range of used cars includes family cars, 7-seaters, MPVs, sports cars, convertibles, fuel-efficient vehicles and many more.
We take pride in providing our customers with the best used cars available for reasonable prices, regardless of your credit rating. Our skilled mechanics ensure all cars in stock undergo a complete check-up, and extensive safety tests, and equip the vehicles with a current MOT.
We’ve even spent over ONE MILLION pounds on reconditioning cars since 2017 to ensure your next car doesn’t just look good but drives like it’s straight off the manufacturing line.
At Concept Car Credit, we offer Personal Contract Purchase (PCP) finance, which lets you spread the cost of your used car over a fixed term of usually two to four years. You put down a deposit (or ask us about our zero deposit finance) and make fixed monthly payments for the length of your agreement.
At the end of the agreement you can:
– Pay an optional lump sum (balloon payment) and own the car outright
– Hand the car back with nothing more to pay as long as it’s in good condition and within the agreed mileage
– Use any equity you have in the car as a deposit on a new vehicle
Click here to apply online or call FREE on 0800 093 3385.
Based on a cash price of £8,000 with an £800 deposit borrowing £7,200 on a representative APR of 14% with a good credit rating.
We understand that every customer is different, so we take our time to provide the service that meets your every need. CCJs, council tax arrears, mortgage arrears, a member of our armed forces, self-employed or just moved over from abroad? Apply for car finance today and we’ll put you back in the driving seat.
Most car finance decisions are based on your credit score alone. We don’t work like that. We know life gets in the way sometimes and you shouldn’t miss out on a car solely because of your financial history.
That’s why we look at the full picture, including your income, outgoings and what you can genuinely afford now when making a decision. Doing this means we’re able to say yes when so many others would say no.
Make an appointment now!
We’ve spent over £1 million reconditioning our stock since 2017 so every car drives the way it should
We’re a family run business, established in 2004 that has helped more than 30,000 customers get behind the wheel of a car they love. We work with nine different lenders, so there are plenty of options available for your application.
Great selection of popular manufactures
If you are not sure yet which car you want, you can choose from a great range of popular well-known manufacturers.
Worrying about your creditworthiness because you have had bad credit problems in the past? At the end of the day, we only care about your needs and are focused on organising a finance plan you can afford.
Simply pay a low weekly fee to suit your budget.
You don’t have to worry about fixed monthly payments. At Concept Car Credit, we adjust the weekly fee to your budget and financial needs, so you never have to worry about missing payments with us.
We’ve got more than 200 used cars currently available on finance that you can drive away today. Browse the full collection and use the payment calculator to see how much you’ll pay monthly using our PCP option.
Use our car loan calculator to give you a better indication of how your payments will look. Decisions are usually made in less than an hour!
Concept Car Credit is a credit broker, not a lender. Our rates start from 12% APR. The rate you are offered will depend on your individual circumstances. We typically receive a commission for placing your finance with one of our lenders’.
Concept Car Credit is a credit broker, not a lender. Our rates start from 12% APR. The rate you are offered will depend on your individual circumstances. We typically receive a commission for placing your finance with one of our lenders’.
Of course!
Used car finance is a great option for everyone, including those who want to improve their credit score, or are struggling to get approved for other loan types due to their poor credit history.
Car finance lets you benefit from affordable and flexible terms that put you in the driver’s seat and help you enjoy the freedom owning a car brings.
Get in touch with us today – the Concept Car Credit team is more than happy to talk you through the financing process.
When putting together your finance plan, we’ll create set payments for every month until you’ve paid off the value of the car. However, with our flexible finance options and terms, we can tweak these if you need to.
We understand that life gets in the way sometimes, causing budgets and income to change. If this is the case, just get in touch and we’ll alter your payment plan with our finance partners – you never have to worry about missed payments with us.
For more information on used car finance – including a purchase fee and excess mileage charges – call us today to speak to us directly.
Yes!
Our team have been in the car game for longer than they can remember. They know each model inside out and can make suitable recommendations to all of our customers.
Visit our Manchester showroom to view our available models and ask our experts as many questions as you need to find the right one for you.
UK residents over the age of 21, with a UK or European driving licence can apply for used car finance here at Concept Car Credit.
As long as you meet these requirements, you can apply online today!
Your initial application uses a soft credit search which doesn’t leave a mark on your credit file or affect your score. A full search can temporarily affect your score but we’ll only carry out a full credit search once you’ve chosen a car and you’re ready to go ahead. We’ll always let you know before this happens and as long as you continue to make the monthly payments your score won’t be negatively impacted.
We look at every application individually. Your credit score is a part of that but it’s not the only thing we consider. We look at your situation now and what you can afford to pay. Even if you’ve been turned down elsewhere, it’s always worth applying. We work with a panel of nine lenders, so there’s a good chance we can find an option that works for you.
Once you’re ready to go ahead you’ll usually need:
– Proof of ID (driving licence or passport)
– Proof of address (utility bill or bank statement dated within 90 days)
– Proof of income (payslips, bank statements or your accounts if self-employed)
– Your national insurance number
– Details of any existing finance agreements
At the end of a PCP agreement you have the option to pay a lump sum called a balloon payment to become the owner of the car. This amount is set at the start of the agreement so you know how much it is. You don’t have to pay the balloon payment and have the option of returning the car or using any equity against the price of your next car.
6 February 2026
Here at Concept Car Credit we're delighted to announce we've been selected to receive the Car Dealer Reviews Highly Rated Award for 2025! Buying a car is a major decision, and one of the biggest...
18 December 2025
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16 September 2025
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