Flexible finance plans. Affordable monthly payments.
Getting approved for credit plans like car finance can be difficult when you’re a student, but it doesn’t have to be.
Concept Car Credit is an experienced car finance broker, dedicated to getting as many customers as possible behind the wheel of their chosen car, at a price they can afford. And why should we treat students any differently?
Being aged 18-21 can come with its perks, but it usually means you have a limited credit history and a score that’s lower compared to most adults. This is simply because you’ve not had time to build it up.
This can stop you from securing car finance or being approved for a personal loan and a credit card.
With Concept Car Credit, we don’t just look at your credit history. Instead, we look at your income, budget and lifestyle to help find affordable fixed monthly payments via Personal Contract Purchase (PCP) car finance.
Does that sound good?
If you’re looking for a reliable, affordable and flexible car finance deal as a student, apply online today to find out more.
Most car finance providers don’t accept people with little to no credit history, but we like to do the opposite.
Because we specialise in bad credit car finance options, we can arrange a car loan for no-credit students in no time – regardless of your credit file.
We work with students to find the best deal (and the best car) for them and their budget. By using nine of the best lenders in the area, we can set up a Personal Contract Purchase or Hire Purchase (HP) car finance agreement in no time. In fact, most customers are driving off in less than an hour!
The best part? With our flexible terms, if you’re ever struggling with your monthly repayments for any reason, just let us know, and we’ll tweak your plan.
Choose Concept Car Credit for car finance for students.
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
Apply online at Concept Car Credit.
Work with our team of experts to find the right vehicle finance for you. They’ll explain how student car finance works and discuss your monthly income.
You can then choose your car. If you’re not sure which one is for you, our team can help.
You will also discuss your deposit and then fixed monthly payments to see what is affordable before signing your finance agreement. Then, it’s time to drive off into the sunset and enjoy your new car!
However, it’s important to understand that you don’t own the car outright until all payments are completed.
Getting started with a car finance application can help build your credit report. Making full, regular, and on-time payments shows financial responsibility. This leads to an improved credit score and improves your finance options.
Here are our top tips on how to get a good credit score as a student:
You won’t believe how quickly your credit score will soar after registering on the electoral roll. It confirms your identity and gives possible lenders the security that you are who you say you are, giving them the confidence to confirm the deal.
Getting a job (part-time or full-time) shows lenders and brokers you have a reliable source of income you can use to make the repayments.
It’s also handy if you start small with a mobile phone contract, as it shows you can budget each month to pay off your phone plan.
Getting your own car is all well and good, but can you afford everything that comes with it? Road tax, insurance and running costs all add up, so make sure you can afford this on top of your finance payments.
Having a guarantor (someone who agrees to cover your payments if you start to struggle) improves your chances of getting approved for student car finance deals.
You don’t need one, but it can help.
Our student car finance options cover all of our quality used cars – with appearances from brands like Audi, Fiat and Vauxhall.
Let us know what you want out of a car, and we’ll recommend some suitable options for you.
With used car finance, you’re guaranteed lower monthly repayments, compared to if you were to choose a brand new model.
If you don’t want to spend your whole wage on your car payments, apply for our affordable and flexible student car finance deals today.
Used doesn’t mean poor condition. We’ve invested over £1 million in reconditioning our cars, so every customer can drive away with the peace of mind that their safety has been made a priority.
It won’t just look good; it’ll drive like it’s straight off the manufacturing line!
Ready to get behind the wheel of your dream car?
Contact us today for the best car finance for students!
But we don’t stop there.
Our blog contains lots of information on how to improve your credit score based on your income and lifestyle. Take a look to learn more about life with used car finance.
Flexible monthly payments designed to fit around student life and budgets. Concept Car Credit is a credit broker, not a lender.
