The Car Loan Centre

Welcome to your Saved Cars

Vehicles you have selected are stored here so you can review them later.

Simply click the Save your favourite cars button to save up to 6 vehicles that you are interested in to store them in your garage.

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We can help you, where others can’t more info

Welcome to The Car Loan Centre

Simple online application for car financeSimple online application for car finance



Simply fill in our Fast Track application form,
and receive an immediate quick car finance agreement in principle*

Quality used cars for saleQuality used cars for sale



100's of Quality used Cars in stock
All vehicles come with MOT, Warranty & 128-point check

Enjoy your new car!Enjoy your new car!



Select your Delivery/Collection Date
Sign your documents & enjoy your new car

Request a Callback for Bad Credit Car Finance

Bad Credit Car Loans

Here at The Car Loan Centre, we specialise in offering car finance for bad credit history applicants. We consider all circumstances and we really can help you get a new car with our bad credit car loans. Been declined elsewhere when looking at buying a car with bad credit? We can help provide you with car finance, even if you have bad or poor credit. If you have a CCJ, Default, or have got into arrears or even been previously bankrupt, we can offer bad credit finance. Do you currently have a Benefits only income? Or are you Self-Employed and finding it difficult to purchase the vehicle you want? We’re proud to offer our customers a service they may not easily find elsewhere, considering more than just your credit score*; in fact we don’t use it at all!

You can apply through us today in confidence that we will take your current circumstances and base a decision on what you can afford to pay. We do not rely on an automated response based on your credit score* when assessing your application for quick car finance. We take a personal approach and review all applications individually, all whilst following FCA guidelines as a responsible lender.

As our finance is based on your affordability as opposed to your credit score*, we're able to approve many more customers. To find out more information, you can view what our customers have previously queried in our FAQs. If you want to apply for our Bad Credit finance and already have a vehicle in mind, you can view our cars currently available and find the ideal vehicle today.

We really can consider ALL circumstances here at The Car Loan Centre. Even if you have been declined and refused car finance by other lenders, find out how we can still help you today in the same way we’ve helped 1000’s of customers already.

Buying a Car with Bad Credit

We consider those who have had past or present difficulties which means we can say YES to more customers than many other lenders. Even with this in mind, we are still unable to "Guarantee" you will be accepted, but we’re able to approve more customers than most for our bad credit car loans!

We can make buying a car with bad credit simple. You won’t have to worry about having really bad credit as car finance with us is based on your affordability. We’ll always strive to get back to you as quickly as we can to get you in the driver’s seat and back on the road. If you’ve already made your mind up, view our cars available and click apply now.

The Car Loan Centre FAQs

Do You Search My Credit Report?

We work differently here at The Car Loan Centre, in that your credit score* is not a factor in deciding to lend to you. When we look at your financial history, this is a smaller element to build the lending process, with us focusing on your affordability first and foremost. This is how we can provide finance for bad credit. To help aid our decision in deciding your affordability, you should be able to provide the following information:

  • Proof of ID
  • Proof of Address
  • Your last 3 month’s bank statements

Once we have received this information, we will be able to make a clearer and more accurate lending decision.

Can You Still Lend to Me if I Have a Default or CCJ?

Yes, the good news is we can offer CCJ Loans finance options even if you have various forms of bad credit including CCJs or Defaults. In fact, as long as you are not currently bankrupt or filing for bankruptcy, we could help you. As bad credit car finance specialists, we are happy to offer financial help to those that have been turned away elsewhere. Please contact us to find out more by requesting a callbackrequesting a callback or applying today.

How Old Do I Need to Be to Apply?

The minimum age we can accept a finance application from is 18 years old. Our lending is based on your affordability and we can help even if you have No credit history. You can apply whether you are in full time education, employment or receiving benefits.

Can I Get Guaranteed Finance with You?

No car loan lender can provide guaranteed finance. We consider many different circumstances to help broaden the range of people and situations we can help. However, no loan is guaranteed for approval as it is subject to initial checks of your credit history and affordability. If you have any queries, please contact us directly.

Looking for Financial Support?

If you feel you could benefit from free, impartial debt advice you can access help from The Money Advice Service, a not for profit debt advice body here.

At The Car Loan Centre
we want to put you back in the drivers seat

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But Why Wait?

Our new FAST TRACK  form gives you an Agreement in Principle* Immediately

ATTENTION: We have been made aware that one of our company names (Asset Exchange Holdings Limited), registered address and company number have been used by websites such as and These websites are nothing to do with our group, and our details are being used fraudulently. Please do not access these sites, enter any information on them or use them to pay for any goods or services, as there is a risk that you could be defrauded. The Company, its Directors and Shareholders cannot be held responsible for any loss suffered due to the use of these websites, or the purchase of products and / or services through said websites.

We are working with all relevant bodies, including law enforcement authorities, to resolve this matter.

The Car Loan Centre is a trading style of The Asset Exchange Ltd. The Asset Exchange Ltd is authorised and regulated by the Financial Conduct Authority, firm reference 729827. Registered Address: The Car Loan Centre, 77 Wollaston Way, Burnt Mills Industrial Estate, Basildon, Essex, SS13 1DJ, registered company no: 08679485.

We are a lender, and not a broker, and operate with a flat interest rate for all customers. We pay our sales team a flat rate of commission for vehicles sold, and this does not affect the terms of your agreement, nor is it affected by your choice of vehicle or the terms of your finance. We may receive commission from other third parties as a fixed fee or fixed % of commission to us for introducing you to their services with your consent. If you elect to purchase one of these 3rd party products/services we may pay our sales person an additional commission for this, For example if you choose to take an extended warranty. If you would like a breakdown of all third parties who may pay us a commission in certain circumstances this can be provided on request.