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Specialist Motor Car Finance

Multiple cars parked in front of a showroom available for specialist car finance

We offer specialist car finance for when you need vehicle financing and you have bad credit.

At The Car Loan Centre, we understand that having access to a car is essential for many people, whether it's for work, family or personal use. If you've been turned down for car finance by traditional lenders due to a poor credit history, don't worry, we're here to help!

Our specialist motor car finance is designed to offer an alternative option for those with poor or no credit history, helping you to secure a car loan on a new vehicle. Unlike traditional car finance, we take into account your current income and outgoing spend to determine your eligibility for a car loan. So, even if you have a less-than-perfect credit history, you could still be eligible for car finance from us.

Our car finance is unique, and we're here to make owning a car stress-free for you. Say goodbye to the worry of being turned down by traditional lenders! Contact us today to learn more about how we can help you secure a car loan for one of our hundreds of quality cars, even with poor or no credit history.

Benefits of Specialist Car Finance

At The Car Loan Centre, we believe that everyone deserves access to flexible and personalised car finance options, regardless of their financial situation. That's why we offer a variety of loan terms and repayment options, so you can choose the one that best fits your budget and lifestyle. Our team is committed to working with you to find a solution that works, as we understand that everyone's situation is unique.

Another benefit of our car finance is the freedom to finance a wider range of vehicles. Unlike traditional lenders, we don't limit you to purchasing a brand-new car from a specific dealer. Instead, you purchase a used car directly from us as part of your car finance package. We have a range of vehicles to choose from, so you can find the one that suits your needs and budget.

We're here to make car finance easy and accessible for everyone, and we're committed to helping you find the best solution for your situation.

Qualifying for Our Motor Car Finance

If you have a poor credit history, qualifying for motor car finance may seem daunting. Our process at The Car Loan Centre looks beyond your credit score. We ask for your recent bank statements and your income history to determine whether you can repay your car finance. This means that we can provide both benefit car finance and regular income-based car finance.

To qualify for motor car finance with The Car Loan Centre, you must meet the following requirements:

  • Be 18 years old or above
  • Have a regular source of income (Including Benefits, Universal Credit, Full-time Employment, or Self-Employment)
  • Have an ID
  • A Full Driver’s License
  • Have proof of address
  • Have your last 3 months of bank statements

If we can see you have the ability to afford the repayments on the loan you want, we are more than happy to help say “YES” where many other lenders would say “NO”.

Family of three sitting in car happy with getting specialist car finance

Specialist Car Finance at The Car Loan Centre

At The Car Loan Centre, we want to make the motor car finance process as straightforward and as stress-free as possible. We offer a fast and easy online application process, and once approved, you can start shopping for your new car right away from our selection.

Family of three sitting in car happy with getting specialist car finance

If you have a poor credit history and are in the market for a car, consider our specialist motor car finance as an option. The Car Loan Centre offers flexible loan terms and repayment options, as well as the ability to finance a wider range of vehicles.

Contact us today to learn more about our specialist motor car finance options and how we can help you own the car you need.

To speak to one of our team, request a callbackrequest a callback today, or fill out an application by clicking Apply Now

If you have any queries regarding our specialist car finance, please don’t hesitate to call us today where we’ll be able to explain further.

Specialist Car Finance FAQs...

As specialists in car finance bad credit options, we could help people regardless of their financial history, including those with CCJs or Defaults. We take a comprehensive approach, considering not only the information contained within your credit file but also your current financial situation and ability to make payments.

We offer customised repayment solutions that are specific to your financial situation. By sharing your affordability with us, we can work together to find a financing solution that allows you to obtain a new vehicle as quickly as possible.

The amount of your initial deposit may also factor into the repayment terms. Our Sales Consultants are available to guide you through the process of selecting the right car and arranging specialist car loans with manageable repayment terms.

In many cases, we can quickly approve applications for specialist car loans, as long as you are able to provide the necessary supporting documents without delay.

Once your application has been approved, we can arrange for delivery or collection of your vehicle (Delivery fees may apply). Although we cannot guarantee same-day approval, we process applications as quickly as possible.

Absolutely! Our specialist car finance option is available to self-employed individuals as well. We understand that it can be difficult to obtain finance when you are self-employed, but as bad credit car finance specialists, we consider applicants with a range of financial circumstances.

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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.