The Car Loan Centre

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Manchester Car Finance

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

Manchester Car Finance

If you have had trouble getting car credit in Manchester, whether you have a bad credit score or have been recently declined, we have great options on car finance and logbook loans that are designed with you in mind. So, if you have been turned away by car finance companies in the past due to having CCJs, defaults, a history of arrears or just a poor credit rating, here at The Car Loan Centre Manchester we are in a position to help. Click Apply Now or request a callbackrequest a callback today to find out more.

Instant Car Finance in Manchester

Finding a lender who can offer car finance for those with a less than perfect credit rating can be a difficult task. Many lenders will assess your application based on your credit history, and even if you can afford to make the repayments you want, if your score is not what they are looking for then they may refuse you the car loan outright. This can be frustrating, especially if the issues you have had with your finances are now in the past and you have the affordability in the present. That’s why here at The Car Loan Centre Manchester, we provide a different approach to help. We focus on what you can afford rather than what a credit score could provide, meaning we are in a position to be able to say YES. By assessing your ability to pay on your current income and expenditure, we can consider what you can afford and offer a finance package that works for your circumstances.

Whilst we cannot ‘guarantee’ you will be approved, our affordability based approach has allowed us to help many happy customers get the instant car finance in Manchester they have been looking for, even if they have been refused elsewhere. If you’re interested in being financed on one of our second-hand vehicles or if you have an existing vehicle you want to use to secure against a logbook loan , we have the Manchester car loan options for you. Request a callbackRequest a callback today to speak to one of our team to see what we can do for you, or click apply now to get a fast track decision in principle.

Couple sitting on sofa looking concerned they didn’t choose cheaper Manchester car finance

Car Finance at The Car Loan Centre Manchester

We have always been able to offer nationwide delivery of a vehicle purchased from us, but now thanks to our location in Manchester as well as Essex, you can collect from The Car Loan Centre Manchester for added convenience. For those in the surrounding area, we have a great range of cars available , ranging from family-sized vehicles to smaller hatchbacks and more, whatever you’re looking for we’ve got something for you.

Couple sitting on sofa looking concerned they didn’t choose cheaper Manchester car finance

Criteria for Manchester Car Finance

Our approach to offering finance for those with poor or bad credit scores remains the same whether you live in the area or near to one of our centres, or even much further afield. You will need to meet the following eligibility requirements to apply for our Manchester car finance options:

  • Be aged 18 or over (no maximum age)
  • Hold a valid UK/EU Driving Licence
  • Be a current UK resident
  • Be Employed, Self Employed or have benefits income

If you can meet the above, we’re happy to discuss Manchester car finance options. As well as these requirements, you will need to provide further information to support your application, including proof of ID and the last few months bank statements. This is to confirm your identity for our credit checks and assess your current income and expenditure accurately. If you choose our apply for fast track option, you will need to provide us with details of the loan amount you’re looking for and the type of vehicle you wish to purchase as well as a few other personal details including your name, address and income information. This will then enable us to give you an agreement in principle so you can choose a car to finance.

Happy couple on sofa with laptop after approval for Manchester car finance

Approved Manchester Car Loan

Happy couple on sofa with laptop after approval for Manchester car finance

Once we have approved your application after assessing your affordability, we’ll arrange a delivery date or collection from The Car Loan Centre Manchester or Essex locations. It couldn’t be simpler, and, in some cases, applicants have been able to drive away the same day. We look forward to hearing from you and providing car finance in Manchester with a personal approach to lending.

Yes, we deliver nationwide to approved applicants. Our centres in Essex and Manchester are great for those that live nearby, but we understand there are people from across the country who may find it difficult to reach us. That’s why we are happy to deliver wherever you are in the UK (fees may apply). You can discuss more about our delivery options during your application, so please request a callbackrequest a callback to find out more.

Our Manchester car loans are for our superb range of second-hand vehicles, so if you have seen a vehicle elsewhere, we wouldn’t be able to finance it for you. However, you may find a similar and even better vehicle through The Car Loan Centre Manchester, so why not view our current cars and find what you’re looking for through us today. Alternatively, we can provide logbook loans in Manchester if you have a vehicle already you wish to guarantee a loan amount against. We can even pay out on the same day as approval to help you receive the funds you need fast! Enquire today for a quick decision, with no credit scoring.

As a specialist Manchester car finance lender, even if you have been declined elsewhere within the last few days, we could still help you. As we consider what you can afford to pay, rather than relying on computer-generated decisions against your credit score, we can still help even if you have applied for multiple finance options recently. As long as you are not currently bankrupt or beginning bankruptcy proceedings, and you can prove your affordability, we are here to provide specialist Manchester car loans that work around your situation, as well as great value Manchester logbook loans.

If you already own a vehicle and are looking for a cash loan, we also provide the cheapest Logbook loans in Manchester, check out our comparison page to see how we stack up. Loans are available from £1,000 to £10,000 at the most competitive prices in the area.

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.