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Car Finance In Essex

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Exterior view of The Car Loan Centre Essex building, Essex car finance available

If you are looking for a high-quality used car on a payment plan that works with your monthly budget, but have recently been turned down for car finance in Essex, we can help.

Car Finance in Essex

Here at The Car Loan Centre, we have a great range of options for bad credit car loans in Essex and across the UK and are able to approve many applicants that have previously heard a ‘no’. If you have a low credit score*, a history of defaults or arrears, have a CCJ against you, or even if you have been bankrupt in the past; we look beyond your credit history and design poor credit car finance in Essex that you can afford. To find out more about our car loans and logbook loans in Essex or anywhere else in the UK, click apply now to see if you can be approved for a loan in principle. Alternatively, if you’re not sure of how we could help, simply request a callbackrequest a callback and a member of our experienced team will provide more information.

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How Our Bad Credit Car Loans in Essex Work

If you are looking for used car finance in Essex, a poor credit score* can be a massive obstacle to getting approved. Bad credit car finance in Essex can be very difficult to come by. Many companies work on the basis of automated credit checks and if your score is below the high number they’re looking for, you’ll automatically be rejected. Here at The Car Loan Centre, we work a little differently, meaning that we are able to offer our poor credit car finance in Essex to more people.

Happy couple on sofa with laptop looking for car finance in Essex

Our bad credit car loans in Essex are specifically designed to work around your current financial situation, not your past. We understand that your credit score* does not always truly reflect your current financial situation – it could be due to a previous default due to your debit card expiring, or it could be because of past debts that you have worked hard to clear. Whatever the reason, It can take a long time for your credit score* to bounce back up, and we don’t want to stop you from getting car finance or logbook loans in Essex, when you can afford the repayments. At The Car Loan Centre, we look at your income and outgoings in order to assess whether you will be able to afford the repayments on the amount of car finance you are applying for, then we process a credit check to verify the details provided such as ensuring you are not currently bankrupt. This fair approach means that you can still get the car you want from The Car Loan Centre in Essex, even if other companies have turned you down.

Criteria for Our Car Finance in Essex

The eligibility criteria for our used car finance in Essex is straightforward. We require you to:

  • Be 18 years of age or above
  • Have a full UK or EU driving licence
  • Be a resident of the UK
  • Have a source of income
  • Not be bankrupt

The same basic eligibility criteria also applies for our logbook loans in Essex.

Once you have been approved in principle for one of our bad credit car loans in Essex, we will need to see your driving licence as proof of identity as well as the last few months’ worth of bank statements and run a credit check. This is so we can assess whether you can afford the repayments, looking at your income and regular outgoings, then the credit check is completed to support your application. We don’t require you to have a specific type of job in order to qualify for our poor credit car finance in Essex, so you could be approved if you are in full or part-time employment, self-employed, receiving benefits or a pension.

To find out if you could be approved for our bad credit car loans in Essex, apply for a fast-track approval (in principle, subject to affordability assessment) or request a callbackrequest a callback to speak with a member of our team.

Get a Great Car with Poor Credit Car Finance in Essex

At The Car Loan Centre in Essex, we have a fantastic range of cars available and it’s easy to find exactly what you’re looking for, whether it’s a smaller hatchback or a large family SUV. All vehicles come with a valid MOT, have had a Comprehensive health check, and come with a 6-month independent warranty as standard, which you are welcome to upgrade to 18 months for added peace of mind. You can browse the great choice available and once you have been approved for our bad credit car finance in Essex, we’ll arrange pick-up from our Essex showroom or deliver the car to you, anywhere in the country, for a small fee.

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Range Of Cars

Full Range

You can view our range of vehicles and apply for car finance in Essex after selecting a specific model, using the handy ‘save’ function to help you narrow down from our huge selection of cars. Alternatively, you can let us know your budget and what type of vehicle you are looking for – we will then show you the vehicles you can get with our bad credit car loans in Essex. This makes it much easier to choose a car that suits your lifestyle, knowing that you will be able to cover the cost with our trusted used car finance. With such a great range of high-quality cars available, as well as the fair terms of our bad credit car finance in Essex, it’s clear to see how we have helped so many happy customers get on the road. We are fully transparent about our eligibility and assessment criteria, and do not discriminate against those with a poor financial past. Our affordability-based poor credit car finance in Essex also means that you will not be taking on unmanageable monthly repayments on our plans.

For specialist used car finance in Essex

Yes, we welcome customers from across the nation to take advantage of our poor credit car finance in Essex. You can browse our cars, apply, and send across any necessary documents online without leaving the comfort of your own home. We are also happy to arrange nationwide delivery of any vehicle (fees apply). For more information about this, request a callbackrequest a callback from our team.

In order to be a sole applicant, we require you to have a full UK or EU driving licence. However, if you have a provisional licence you may be able to make a joint application for our poor credit car finance in Essex, along with a person who does have a full driving licence. Speak to a member of our team to find out more about our joint application process.

Many companies will automatically reject you based on a past bankruptcy, even if it has expired. At The Car Loan Centre in Essex, we are happy to consider applications from people who have previously been bankrupt, as well as those with poor credit scores, a history of defaults and arrears as well as current CCJs. To see what you are eligible for, apply now for bad credit car finance in Essex and get a loan approval in principle, pending affordability checks.

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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.