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.
Skoda cars are perfect for those on the hunt for a combination of practicality and high-tech features.
While there is a variety to choose from in the range, Skoda models make for a great family car due to their spacious interior and reliable specs.
Producing cars since 1985, Skoda cars offer great value for money – any vehicle you choose from Skoda is sure to be a favourite.
Apply online today to be approved for a car finance plan that suits you.
Used cars are often overlooked, but they shouldn’t be.
Just because they're pre-loved, it doesn't mean you won't have access to modern features and all the benefits of a brand-new Skoda model. Since 2017, we have spent over one million pounds reconditioning all of our available cars so they drive like they're straight from the factory. Well-equipped with features like adaptive cruise control, heated seats and wireless charging, Skoda makes sure every drive is an enjoyable one.
If safety is a concern, Skoda models have all passed the Euro NCAP safety tests and include automatic emergency braking and lane-keep assistance, as well as airbags and ISOFIX child seat points.
We have a wide range of models available, including the Skoda Fabia which is perfect for the demands of daily life, while larger models like the Karoq are well-suited for fitting the full family and more for longer journeys.
Getting a car on finance is ideal for you if you need a flexible payment plan you can afford.
For a set fee – which you’ll pay each month – you don’t have to worry about that large one-off sum that comes with getting a new car, just a great car for excellent value for money.
We have hire purchase (HP) and personal contract purchase (PCP) finance options available with competitive excess mileage charges and flexible terms (subject to vehicle or equipment prices and availability).
Here at Concept Car Credit, we believe everyone should have the car of their dreams. And, while we do look at credit scores, this won’t hinder your chance of being approved for a finance deal, as we’ll organise a plan that suits your financial circumstances.
If life gets in the way, all you have to do is let us know, so we can tweak your plan to a more attainable and affordable structure with lower monthly payments.
Then, you can choose an optional final payment at the end of the agreement, to make the car yours or swap it for a different model.
Does a used Skoda on finance sound like something you could benefit from?
Our experienced and friendly team have the knowledge to help you learn more about our available models. From the difference between each edition to everything you need to know about finance plans, we’re more than happy to help.
You can apply online or give us a call and we’ll get started organising a used Skoda on a finance plan bespoke to you.
Applying for a used Skoda on a finance plan is made easy here at Concept Car Credit.
We have a range of finance solutions – personal contract plan or hire purchase – available depending on your budget and lifestyle. Simply tell us the car you’re interested in and how much you want to spend and we’ll do the rest.
You can apply online to arrange a visit to our Manchester showroom. Here, you’ll meet with our experienced team to discuss the car models, payment plans we have to offer, equity costs and what indemnities may be required, before signing on the dotted line.
So, what are you waiting for? Apply today!
If you know you want a used car on finance but aren’t sure which model will be best suited to you, don’t worry.
Our team of car fanatics know every car like the back of their hands. When you come to see us, we’ll answer any of your questions, organise test drives, and recommend cars based on your needs.
Whether you just want something to nip to the shops in or something more hard-wearing for long road trips, we have a car for you.
Give us a call to find out more.
Of course!
As the UK’s specialist car lenders for those with bad credit, we’ll work with you to create a bespoke payment plan that fits into your lifestyle – regardless of your credit history.
With our flexible contracts, you can show financial responsibility by making on-time and regular payments, improving your credit score and increasing your chance of getting approved for loans and other types of credit agreements in the future.
Contact us today to learn more about how used car finance can help you.
Use our car loan calculator to give you a better indication of how your payments will look.
11 June 2025
Driving at night comes with its own unique set of challenges. Not only is it much darker, reducing visability, but it can also cause headlight flare and fatigue. It’s important you know how to stay...
11 June 2025
Choosing the right car is difficult. Do you go for your favourite colour and ideal aesthetic, or is it the stats that you make a beeline for? One thing many people forget to consider is...
15 May 2025
So, you’ve found the car you want to buy, but now you need to decide how you want to pay for it. Do you pay in one lump sum? Or does spreading the cost sound...
