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Used Car Finance

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cars parked in showroom available for used car finance

At The Car Loan Centre, we believe that the car-buying experience should be enjoyable and worry-free. That's why we specialise in providing flexible second-hand car finance solutions that are tailored to your unique needs and budget.

Our friendly team understands that your credit history doesn't always reflect your ability to pay, which is why we focus on what you can afford now, rather than just your credit rating. With a wide range of quality used vehicles to choose from, finding your dream car has never been easier.

To make your car-buying journey even smoother, all you have to do is request a call back and our team will be happy to discuss your available options for a second-hand car on finance . We'll take the time to understand your needs, help you choose the right vehicle from the hundreds we have available, and provide you with a financing solution that fits your budget.

Don't let poor credit hold you back from driving away in the car of your dreams. Apply now for new Fast Lane application and start your journey to better, stress-free car ownership!

Second-Hand Car Finance with You in Mind

Discovering a used car that fits both your budget and your driving needs can be a challenging task. But with The Car Loan Centre on your side, the journey is a breeze. Whether you're looking for a spacious family car or a compact city vehicle, our team has you covered. Our team understands how overwhelming searching for the right vehicle and affordable car loans can be. So, say goodbye to time-consuming car searches and hello to an enjoyable, hassle-free journey to your dream car with The Car Loan Centre.

Little Run-arounds

Meet your everyday driving needs! From commuting to work to popping down the shops. Perfect first cars and city cars.

Vehicles for the Family

Great vehicles for the daily school runs, weekend road trips, and chauffeuring your little ones. Find a car that fits your lifestyle and will become a trusted companion for years to come.

Premium Cars

Find a car that reflects your unique style and personality, and enjoy a driving experience that is truly special. For the pinnacle of commercial motor engineering, look no further.

New Stock Daily!

New Stock Daily!

If you've been searching for second-hand car financing options online, you may have come across lenders who have strict lending criteria and prioritise applicants with excellent credit scores. This can be disheartening, especially if you have the financial means to repay the loan but have a lower credit rating.

At The Car Loan Centre, we take a different approach. Our experienced team is dedicated to helping all customers, regardless of their credit history. We understand that your credit score doesn't always reflect your ability to repay a loan, which is why we focus on your current financial situation and what you can afford.

We strive to be a trusted partner in your car-buying journey and offer guidance every step of the way. So, if you're looking for a car finance solution that's tailored to your unique needs and budget, look no further than The Car Loan Centre. Contact us today and let us help you get behind the wheel of your dream car!

Young family waving whilst standing next to car purchased with used car finance

Reasons That Second-hand Car Finance can be Declined

At The Car Loan Centre, we understand that shopping for a used car can be overwhelming, especially when it comes to financing. That's why we're here to help. With a vast selection of vehicles to choose from, we'll help you find the perfect car to fit your needs and budget.

When it comes to second-hand car finance, we don't rely on automated credit scoring systems. Instead, we focus on your current financial situation and what you can afford. We perform a credit check, but your credit score is not the determining factor in our lending decision.

We know that many people have been turned down for used car loans because of their less-than-perfect credit history, even though they have the means to make timely repayments. That's why we're proud to consider applicants with a history of arrears, defaults, or CCJs. If you can demonstrate your current affordability, we really could help with your used car finance application and help you get back in the drivers seat.

Young family waving whilst standing next to car purchased with used car finance

We do not rely on computer-generated scoring*, and whilst we will perform a credit check, we will not use your credit score* to influence our lending decision for our used car finance. If we can see you have the current affordability during our application assessment, there’s every chance we can approve your used car finance and find you the perfect vehicle.

How Our Used Car Financing Options Work

We’ve made applying for our used car finance as straightforward as possible so you’ll know whether you’ve been approved or not and can drive away with your new car faster. You‘ll need to meet these eligibility requirements before applying:

  • Be aged 18 or over (no maximum age)
  • Hold a valid UK/EU Driving Licence
  • Affordability
  • You are a current UK resident
  • Be Employed, Self Employed, or on a benefits-only income
  • Not currently bankrupt

If you meet the eligibility criteria, we welcome your application for second-hand car finance. During the application process, we'll ask for some additional information, including proof of identity, proof of address, and recent bank statements, to fully assess your situation. Our aim is to provide a used car loan that fits your unique circumstances, taking into account your current income and expenses. With the necessary information at hand, we can make an informed decision and get you on the road.

Approved Used Car Finance

Upon approval of your used car finance application, you'll have access to our vast selection of top-notch vehicles, with new arrivals frequently added. Each car undergoes rigorous checks and comes complete with an MOT, warranty, and a comprehensive inspection to give you peace of mind about the quality you're receiving. If you're eager to begin your application for used car finance, simply click ‘apply now.’

If you'd like to speak with our team first, just request a call back. We're here to help every step of the way.

Used Car Finance FAQs

We understand that past financial difficulties can impact your credit score*, but we believe in looking beyond that when it comes to second-hand car finance. Our team assesses your affordability based on your current income and expenses, rather than solely relying on your credit score*.

During the application process, we will perform a credit check, however, we place importance on what you can afford over any issues you’ve had in the past.. We are willing to consider applicants who have had past financial issues, such as arrears, defaults, or CCJs, as long as they can demonstrate the ability to afford the loan repayments. Unfortunately, we cannot assist individuals who are currently bankrupt or undergoing bankruptcy proceedings.

If you are applying as an individual, a Full UK/EU Driving Licence is necessary to be eligible for our used car loan options. However, in the case of a joint application, only one applicant needs to have a Full UK/EU license.

You have the option to either pick up your vehicle from our Centre in Essex or opt for nationwide delivery at an additional cost. Our goal is to make the process of acquiring your new car as smooth as possible, so feel free to discuss delivery options with your representative during your loan application.

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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.