Business Details
9 Years
experience
Trusted Car Finance Solutions for Bad Credit
Go Car Credit was founded in 2017 with a mission to provide accessible car finance solutions for individuals facing credit challenges. Recognising that traditional lenders often overlook those with impaired credit histories, we established our business to bridge this gap through ethical and responsible lending practices. Over 200,000 loans have been approved since our inception, demonstrating our commitment to helping customers achieve car ownership while maintaining affordability. Our team specialises in tailoring finance options for diverse financial circumstances, including those receiving benefits or self-employed applicants. By eliminating complex paperwork and adopting a transparent approach to terms and conditions, we ensure a streamlined customer journey from application to approval.Our direct-lender model removes intermediaries, enabling faster decisions and competitive rates. As an FCA-authorised entity, we adhere to strict regulatory standards while maintaining membership in the Finance and Leasing Association to uphold industry best practices. Our customer-centric philosophy prioritises long-term financial well-being, offering tools like payment reminder systems to support credit re-establishment. With dedicated departments for sales, customer service, and collections operating during extended hours, we provide comprehensive support throughout the finance agreement period.
Services
Bad Credit Finance
No Deposit Finance
Hire Purchase
Self-Employed Finance
CCJ Finance
Joint Finance
Black Box Finance
Benefit Recipient Finance
Refused Finance
IVA Finance
Details
- Year established: 2017
Highlights and features
- Direct lender with no brokers or additional fees
- Consider benefits as income for eligibility
- No deposit required for qualifying applicants
- Transparent terms with no hidden charges
- Quick online application with instant decisions
Associations and certifications
- Financial Conduct Authority
- Finance and Leasing Association
What people say
Quick approval process
Excellent customer service
Approved with CCJs
Transparent terms
Helped rebuild credit
Services
Bad Credit Finance
Specialist car finance for applicants with adverse credit histories. We consider CCJs, IVAs, and previous refusals while maintaining responsible lending practices. Our flexible underwriting approach evaluates income and affordability beyond traditional credit scores. Customers benefit from structured repayment plans that help rebuild credit profiles over time.
No Deposit Finance
Car finance options requiring no upfront deposit. Designed for customers with limited savings, this service maintains affordability through extended repayment terms. Eligibility focuses on income stability rather than credit history. Payments are structured to ensure long-term affordability while meeting FCA regulatory standards.
Hire Purchase
Fixed-term car finance with guaranteed ownership upon completion. Monthly payments include principal and interest with no balloon payments. Ideal for customers seeking predictable repayment schedules. Full ownership transfers after final payment, with clear terms presented in plain language.
Self-Employed Finance
Tailored car finance for self-employed individuals. Income assessment considers business financials rather than traditional payslips. Flexible documentation requirements accommodate variable income streams. Approval process evaluates business sustainability and cash flow patterns.
Joint Finance
Co-applicant car finance for households. Combines income streams to improve approval chances and loan amounts. Suitable for partners or family members sharing financial responsibilities. Clear liability framework defines payment obligations for both parties.
Questions
Can I get car finance with bad credit?
Yes, we specialise in bad credit car finance. We evaluate income and affordability beyond credit scores, helping customers with CCJs, IVAs, or previous refusals.
Is there a minimum credit score requirement?
No fixed score exists. We assess income stability, monthly expenditures, and overall affordability to determine eligibility for car finance.
How much can I borrow?
Loan amounts range from £3,000 to £18,000 depending on income verification and affordability assessment through our application process.
What documents are required?
Basic requirements include a full UK driving licence, proof of address, and income verification through payslips or bank statements.
Can I pay off my loan early?
Yes, you can settle your agreement early by requesting a settlement figure through our customer portal or contact centre.
What happens if I miss payments?
Missed payments may trigger our payment reminder system and could affect your credit rating. Contact us immediately to discuss alternative arrangements.
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