We offer quality used cars and specialist finance packages to suit your individual needs.
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
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 credit rating. Our skilled mechanics ensure all cars in stock undergo a complete checkup, 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.
Regardless of your credit rating, we can organise a personal contract purchase (PCP) or hire purchase (HP) plan on one of our used vehicles. Even if you’ve had trouble applying for a personal loan, we’ll get you behind the wheel in no time, at a price you can afford.
Once you’ve been approved for used cars on finance, simply opt to pay the low weekly fee and choose from a wide selection of high-quality vehicles including popular manufacturers like Volkswagen, Vauxhall, Toyota or Seat.
Depending on the finance example that’s organised for you, there’ll be an optional final payment to make the car yours, or you can trade in for a different model.
Click here to apply online or call FREE on 0800 093 3385.
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.
Once you’ve chosen your car and agreed to the finance terms, it’s time to enjoy your used car on finance – we’ve made our whole process as fuss-free as possible, so you could be driving off into the sunset in under an hour!
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.
Best used cars available for reasonable prices
What’s your car worth? Receive the absolute best value for your trade-in vehicle. We even handle all the paperwork. Schedule your appointment today!
Complete checkup, safety tests and current MOT
Our cars are delivered fully-registered with all requirements completed. We’ll even deliver your car to you!
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.
Apply even if you have had credit problems in the past
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
We adjust the weekly fee to your budget and financial needs, so you never have to worry about missing payments with us.
Have you just decided that you need a new car, but have a meeting at 4pm? Don’t worry, a decision will be made within an hour. Make an appointment now!
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.
With Concept Car Credit, you can 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 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 – 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!
Use our car loan calculator to give you a better indication of how your payments will look.
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’.
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