The Car Loan Centre

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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.

About Us

Who are we?

The Car Loan Centre is a trading style of The Asset Exchange Ltd. We are a specialist lender who has helped 1000’s of customers with the finance they need, on the cars they love. We are authorised and regulated by the Financial Conduct Authority (FCA) as a lender. We are also Specialist Automotive Finance Approved by the Finance & Leasing Association, so you can be sure you are with a lender you can trust.

What do we do?

The Car Loan Centre supply quality used vehicles and finance to customers who have been declined elsewhere, even with poor/bad credit histories. As we lend our own money, on our own cars, we make our own decisions; so even if you've been refused elsewhere, we are in a position to say YES.

Our aim is simple: To supply each customer with the right finance package to suit their individual circumstances, needs and budget.

How do we do it?

We PRIDE ourselves on being able to consider applicants who have been turned down elsewhere. Every customer's application is assessed based on their unique affordability; we do not rely on computer generated credit scores. If you would like to know more about our lending practices, you can find out all the information on our FAQs page.

We have helped 1,000's of customers,
find out how by applying today

What do we PRIDE ourselves on?

At The Asset Exchange Ltd our customers are at the core of everything we do and are why we are here. The Asset Exchange continually strives to (a) deliver the highest standard of customer service and (b) wholly satisfy customer’s needs. We want to ensure that we are easy to reach, easy to work with, and our customers enjoy the experience of dealing with us at all times.


At The Asset Exchange we take PRIDE in what we do:


Professional: We will always act professionally in the way we conduct ourselves

Responsive: We will always listen first, and seek to respond in a timely and efficient manner

Integrity: We will always be open and honest, providing accurate relevant information

Dedication: We will provide the best possible outcomes and quality products

Empowering: We empower our staff to own the issue, take responsibility and help

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

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.