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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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View Our Cars – Bad Credit Car Loans Online

Take a look at our available stock here at The Car Loan Centre. We have 100’s of available vehicles that are ready for you to drive home today!

Search through our range of superb vehicles below and find cheap car loans1 to help with your purchase today. If you've found the vehicle you like the look of, request a callbackrequest a callback and our team will be happy to assist you further and go through any finance options. Trust the team at The Car Loan Centre today!

Search for a Vehicle...

...Or Search by Criteria

For Sale
SEAT IBIZA S AC CR TDI
  • 2015 (64 plate)
  • 5 DOOR HATCHBACK
  • MANUAL
  • DIESEL
  • 1.2L
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0/6
For Sale
ALFA ROMEO GIULIETTA LUSSO JTDM-2
  • 2011 (11 plate)
  • 5 DOOR HATCHBACK
  • MANUAL
  • DIESEL
  • 2L
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0/6
For Sale
CHEVROLET ORLANDO LTZ VCDI
  • 2012 (61 plate)
  • MPV (MULTI-PURPOSE VEHICLE)
  • MANUAL
  • DIESEL
  • 2L
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0/6
For Sale
VAUXHALL CORSA LIMITED EDITION
  • 2015 (65 plate)
  • 3 DOOR HATCHBACK
  • MANUAL
  • PETROL
  • 1.4L
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0/6
For Sale
VAUXHALL MOKKA TECH LINE CDTI S/S
  • 2014 (63 plate)
  • 5 DOOR HATCHBACK
  • MANUAL
  • DIESEL
  • 1.7L
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0/6
For Sale
VAUXHALL ASTRA SRI NAV TURBO
  • 2016 (66 plate)
  • 5 DOOR HATCHBACK
  • MANUAL
  • PETROL
  • 1.4L
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0/6

Delivery or Collection?

We have Centres in Essex and Manchester for your vehicle collection.

Alternatively, we have nationwide delivery, so whether you are in Newquay or Newcastle, we can deliver!**

For Sale
ALFA ROMEO MITO SPRINT JTDM-2
  • 2012 (61 plate)
  • 3 DOOR HATCHBACK
  • MANUAL
  • DIESEL
  • 1.2L
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0/6
For Sale
FORD FOCUS ZETEC S TDCI
  • 2014 (64 plate)
  • 5 DOOR HATCHBACK
  • MANUAL
  • DIESEL
  • 1.6L
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0/6
For Sale
BMW 120D SE AUTO
  • 2011 (61 plate)
  • 5 DOOR HATCHBACK
  • AUTOMATIC
  • DIESEL
  • 2L
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0/6
For Sale
VAUXHALL ASTRA EXCLUSIV 113
  • 2012 (12 plate)
  • 5 DOOR HATCHBACK
  • MANUAL
  • PETROL
  • 1.6L
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0/6
For Sale
FIAT 500 POP STAR
  • 2015 (15 plate)
  • 3 DOOR HATCHBACK
  • MANUAL
  • PETROL
  • 1.2L
Save
0/6

Need Any Help?

Let one of our friendly Sales Consultants explain how we can provide second hand car finance for the car of your dreams. Simply fill in our Request a CallbackRequest a Callback form or apply and receive an instant callback! Bad Credit Car Loans are available to suit all requirements.

Get A Car With Bad Credit

Here at The Car Loan Centre, we can provide the full car buying experience. Not only do we provide cheap car loans1 and second hand vehicle finance, but we also provide you with the vehicle too! Here you will find many different makes and models of high-quality used cars, which you can drive away the same day if approved. Whatever the style of vehicle that interests you the most, from hatchbacks to vehicles to fit the whole family, we've got plenty to choose. You'll find all the best car manufacturers in stock, from Ford, BMW, Audi, Vauxhall, Citroen, Volkswagen and many more. No matter the size and model, we have something for everyone.

Cheap Car Finance Bad Credit1

Yes, you’ve read that right; we offer second hand vehicle finance based on affordability so that you can get a car with bad credit. At The Car Loan Centre, we are proud to go above what other second hand car finance lenders can offer by basing your loan application approval on whether you can afford the loan first and foremost. Regardless of your past or present credit history, even if you have had CCJs, Defaults, IVAs or just very poor credit with a benefits only income, we could help you. We offer bad credit car loans online that you won't find anywhere else. If you're still undecided on a vehicle, use our search function above and browse our great selection.

View Our Cars FAQs

When Purchasing a Vehicle from You, What Warranty Will I Get?

All the vehicles you'll find here have gone through thorough inspections to ensure our customers are purchasing quality vehicles. You can get a car with bad credit that comes with a 6-month 5 star warranty, with the option to extend this to 18, 24 or 30 months depending on what’s best for you and your application term. All vehicles have a valid MOT certificate and have gone through a 128-point inspection to ensure peace of mind for you. The warranty is supplied by WMS Group who have been voted as warranty provider of the year by Car Dealer magazine. If you have any queries about the vehicle quality and the warranty offered, please don't hesitate to contact us. You can read further about the warranty here.

What Information Do I Need to Apply for Bad Credit Car Loans Online?

To apply for cheap car loans1, we just need a few details about yourself. Then when you make your full application with the team you’ll need to supply the following information:

  • Most recent 3 Full Months bank statements of ALL accounts
  • Proof of identification (current passport or full driving licence)
  • Proof of address (a utility bill/bank statement dated within the last 3 months)
  • Universal Credits breakdown (If Applicable)

This initial information is enough for our team to get to work to provide you with our specialist bad credit car loans online. If you already know the vehicle you want to apply for, select the vehicle from the search above and click on apply now.

How Long Does It Take to Get a Car with Bad Credit?

We aim to provide you with a decision quickly once we have received your application for second hand vehicle finance. We are a lender NOT a broker, meaning we make our own decisions. This puts us fully in control of the whole decision process and enables us to approve you when you may have been declined elsewhere. For more information, read through our FAQs.

Can I Get Cheap Car Finance1 with Bad Credit on a Provisional Licence?

We can only offer our specialist finance to those who currently hold a full UK/EU driving licence. If you do not have a full licence or have a provisional licence, then you have the option of applying for a joint finance application instead, as long as the second person on the application has a full UK/EU driving licence.

  1. All Car Finance costs and rates are comparative to other forms of finance streams users may have available

Request A Callback

But Why Wait?

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

What makes us different...

  • 100’S OF CARS IN STOCK
  • BAD CREDIT SPECIALISTS - CCJS, DEFAULTS, ARREARS, ALL CONSIDERED
  • A LENDER THAT CAN SAY YES!
  • NO BALLOON PAYMENTS
  • NATIONWIDE DELIVERY AVAILABLE!

...and all our cars come with

Representative example – Total amount of credit £7999, annual interest rate 26.23% (fixed), Handling fee £249 (payable in advance), Total charge for credit £8,393.96, Total amount payable (includes Advance Payment of Handling Fee and Deposit) £16,442.96, term of the agreement 48 months, 47 monthly instalments of £336.33 and a final instalment of £336.45. 51.32% APR Representative, plus a £25 option to purchase fee. – Subject to status & affordability.

Please be aware your vehicle is at risk if you do not maintain your monthly payments. When buying a car, you may also want to consider the ongoing running costs such as which warranty is best for you or whether you may wish to organise independent breakdown cover. You should also be aware of factors like depreciation. If you’re not sure what all these terms mean, our Jargon Buster helps explain everything in everyday English!

*Applicants are required to verify their details at a later stage, all applications are subject to status. We reserve the right to alter any offer of finance for any reason. **Fees may apply to Nationwide Delivery.

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.