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The Car Loan Centre

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Specialist Car Finance

We can help with very bad credit car finance even if you’ve been declined elsewhere – find out more about our specialist car finance below.

100's Of Quality Used Cars Just A Click Away

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Cars for all needs!

Little Run-arounds

Whether you need something to commute to work with, pop down the shops or even as your first car, we can help.

Family cars

Vehicles for the Family

Cars that become a member of the family doing the daily school runs, day trips across country, and chauffeuring around the kids.

Premium cars

Premium Cars

Cars that are more than just a way to go from A to B but your pride and joy, a spectacle of design and engineering.

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Just arrived in stock!

We have brand new stock ready to go - these cars have just rolled into the showroom!

If any of our cars take your fancy, simply Apply today to hear from our helpful team or contact us to reserve it quickly. Our new stock is always incredibly popular, so move fast to secure the vehicle you want today before someone else does!

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Very Bad Credit Car Finance

The great news here at The Car Loan Centre is that we consider all circumstances. So, if you have poor or bad credit, we can be the solution for you when looking to buy a new car. We specialise in poor to very bad credit car finance, which means if you currently have, or ever had, a CCJ or Default notice, or built up Arrears with a lender, we could still help you. If your income is currently consisting of 100% Benefits payments, we’ll be happy to hear from you. We’re eager to help as many applicants as we can, saying 'YES' to more customers that have been refused elsewhere than most other direct lender car finance companies.

We're proud to be bad credit car finance specialists, who are able to consider applicants who have been turned down elsewhere. We know how difficult it is to get approved for a loan when you may have struggled in the past with your finances. Our direct lender car finance works by reviewing your ability to repay the loan amount. In short, if you can demonstrate the affordability, it’s possible to get approved for bad credit car finance on benefits, or car finance with defaults registered to your name. We want you to apply with confidence when looking for car finance through The Car Loan Centre.

Every customer's application is assessed by an underwriter and on an individual basis. This means we do not rely on computer-generated credit scores to provide you with a decision. We take a personal approach to help you drive away in the vehicle you’ve been looking for. We have 100's of vehicles in stock with nationwide delivery available wherever you are in Great Britian. For peace of mind, we also offer a 6-month warranty with every car, which can help cover you for any unexpected issue if they were to arise. You can extend this to 18, 24 or 30 months depending on what’s best for you and your application term, with all our cars having a valid MOT and 128-point inspection. You can rest assured that when it comes to a new vehicle purchase through us, we’ve got your best interests in mind.

Past or Present Bad Credit?
We could help you, where others can't!

Car Finance FAQs

Why Should I Choose The Car Loan Centre for Car Finance?

Quite simply, we offer a different service to most other direct lenders of car loans that you'll find online. Our focus on helping those who may have struggled elsewhere to find car finance, puts us above the rest. No matter if you have bad credit due to Defaults, Arrears or even a CCJ or IVA, we can say 'YES' where many others would say 'NO'. Your credit score, does not contribute to our decision to lend to you. If you have proven affordability, you should apply today and see what we can do for you.

I've Been Declined Elsewhere for Car Finance; Can You Still Help?

Yes, we certainly can! As long as you are not currently declared bankrupt, we can help you even if you've been recently declined elsewhere. If you have applied for many forms of credit in a short space of time, this may have a negative impact on your credit score, which could lead to lenders declining you. Alternatively, we focus on what your current affordability is to make our lending decision.

I'm Self-Employed, Does This Mean I Can Still Apply?

If you're self-employed then we’re happy to provide help with car finance. As with a normal application, you'll need to provide the last 3 months' worth of bank statements, so that we can properly assess your current finances. Many other lenders may struggle to approve an application from someone who is self-employed, but not us. Speak to us today to see what we can do for you.

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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.