The Car Loan Centre

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Vehicles you have selected are stored here so you can review them later.

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.

Specialist 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.

Bad Credit Car Finance Specialists

Here at The Car Loan Centre, we provide specialist car finance that is ideal for applicants with a bad credit history. What makes us different is that we use more than just your credit score to make a decision, so if you have a less than perfect crediting rating, there’s still a very good chance you can get approved for specialist automotive finance! All you need to do is meet the following eligibility requirements and you could be one step closer to getting the car you want with our specialist car finance.

  • You are aged 18 years or over
  • You are a current UK resident
  • You have a valid Full UK/EU Driving Licence
  • You are currently employed/self-employed, or even unemployed

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 Automotive Finance at The Car Loan Centre

There are many reasons to want to purchase a new car. Maybe you have a vehicle that is many years old and costing you more each year to maintain and run, or maybe you need something bigger due to starting a family. We don’t mind what the reason may be; if you have the affordability to make repayments, we are willing to help with our specialist car finance. We have many great vehicles in stock to choose from, offering a variety of different manufacturers, models and car types, from hatchbacks to SUVs. There is something for everyone and the fact that you have bad credit won’t stop your possibility of owning one.

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

We understand that because of past financial issues your credit history may have taken a knock, meaning many lenders have not been able to help you fund your new car purchase. We do not use your credit score, although we will perform a search with your permission, however this will not be the basis for our final decision to lend to you. We are proud to be able to do more than other lenders and not rely on automated decision making to choose the right applicants. We provide the human element, individually assessing your application and basing our decision on your current circumstances and affordability. If your money issues are in the past and you have the means to afford repayments with us, and as long as you’re not currently bankrupt, we are more than to happy to offer help as bad credit car finance specialists.

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...

Being bad credit car finance specialists means we can help you no matter your financial circumstances. So, if you do have a CCJ or a Default against your name, we can still help you get car finance today. We look beyond just what’s contained in your credit file, focusing on what your current circumstances are and what you can afford to pay. If we can see you have the affordability, that is what’s most important and means there is every chance we can approve your application. As long as you are not currently bankrupt or in the process of bankruptcy, our specialist car finance is a great option.

We provide tailored solutions to what you can afford to pay, so the repayment terms will vary depending on your circumstances. By telling us your budget, we can work with you for a solution so that you can drive away with a new vehicle once approved as soon as possible. It will also depend on how much deposit you will be able to pay upfront. Our Sales Consultants will be able to fully assist you in choosing the right car and arranging specialist car finance with manageable repayments. Request a callbackRequest a callback today to see what we can do for you.

In most cases yes, we can approve an application for specialist car loans quickly so that you have every chance of receiving the car loan approval and vehicle fast. Depending on where in the UK you are, we will then be able to arrange a delivery or collection date for you and in some instances, we have been able to help customers do this on the same day. Whilst we cannot guarantee it will be the same day, we can approve your specialist car finance very quickly as long as we have all the relevant information and documents we need.

Yes absolutely, if you are self-employed we can help you with our specialist car finance option. We know it can be difficult applying for lending products as someone self-employed, as your income may not be a consistent figure compared to those in full-time or part-time employment. This is where as bad credit car finance specialists we can help you if you’re self-employed, as we accept applicants that have various financial histories and circumstances. If you can provide proof of ID, proof of address and have your last few month’s bank statements to prove your current affordability, our underwriters will be able to make a decision based on your current circumstances, offering a tailored solution that works 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

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.