About Us

At Direct Car Credit, we pride ourselves on putting the needs of our customers at the forefront of what we do. We believe that everyone deserves to get that ‘new car’ feeling of driving away from a car showroom. That’s why we use our experience and the contacts we have built up with finance providers to ensure our customers have the best chance possible of getting that new car feeling.

We understand that things can happen in life that can affect your credit rating but we believe this shouldn’t be a barrier to you owning the car you need to get to work, do the school run or just get away and enjoy yourself – Representative 9.9% APR.

Do you feel that you will have a very limited choice of cars and not get the car to suit your needs?

Well we don’t accept that. We have a wide range of cars and something for all needs and budgets.

Will the salesperson not have your best interests at heart?

It is part of our ethics and culture that we want the very best we can achieve for our customers. We are in your corner and working for you.

Once I’ve bought my car you will forget about me, right?

Wrong, we want to see you again when you next change your vehicle, so we want to make sure that you remain happy throughout the time you have your car. We provide a free comprehensive 6 month warranty and breakdown service on every car and can extend this up to 2 years to give you peace of mind. You can ring the Claims line to get help and advice if you have any issues. On the other hand if you are really happy with us, and we are sure you will be, then invite your friends down to see us and call in and have a coffee!

Won’t I be limited on choice of cars?

No! We sell cars from most of the leading manufacturers, including Audi, BMW, Citroen, Fiat, Ford, Honda, Hyundai, Jaguar, Kia, Mazda, Mini, Nissan, Peugeot, Renault, Seat, Skoda, Toyota, Vauxhall and VW. We have lots of cars in stock with new stock arriving daily. And we have a wide choice of ages and mileage and petrol or diesel and autos or manual and MPVs or prestige or saloons or estates or crossovers to suit your needs and budget.

FREQUENTLY ASKED QUESTIONS

Am I eligible for car finance?

UK Resident for at least 3 years
Full UK driving license or provisional but must have held provisional license for less than 3 years
You are not living on barracks
Your income/benefits are over £1,000 per month and is paid into a UK bank account
You can provide 2 months consecutive payslips if required, or if you are self-employed be able to provide 3 months consecutive bank statements if required
You are over the age of 18
Not in an active bankruptcy or debt relief order

I receive benefits, can I still get car finance?

Yes! Unlike some lenders, we take your benefits into account as income meaning we can arrange finance for you. All credit applications are subject to status, but our panel of lenders specialise in this field.

Can I part exchange my car?

Yes! You can part exchange your car and, in most cases, this will bring down your monthly payments. You can even part exchange your car if it's currently on finance!

Will the car be mine at the end of the agreement?

Yes! All of our finance agreements are Hire Purchase which means as long as you make all repayments on the agreement, when your final payment is made the car is yours to keep or sell.

Will I definitely be accepted?

We work with a large panel of lenders. All finance is subject to status so we can't guarantee that you'll be accepted but this is a field in which our lenders specialise, and we get lots of people accepted who have been refused elsewhere.

How long does it take to get a decision?

When we receive your application, we aim to have a decision within the hour.

Will this help repair my credit?

Yes! This agreement will demonstrate to other lenders you are acting responsible with present and new credit you have taken out.

What interest rate will I pay?

Our rates start at 29.9% APR. The rate you get will depend upon a few factors, such as your credit history. The rate you are offered will depend on your individual circumstances with a representative rate of 19.9% APR. When you apply, all of this will be taken into consideration and you'll know the rate of interest before finalising your loan, so that there are no surprises.

I have a low budget for a car. Can I still buy one?

We have a wide variety of cars to suit all budgets and have lots of different finance plans to work with. That gives us a great opportunity to be able to work with you to find a car that suits your budget.

What makes of car do you sell?

We sell all the most popular brands and have access to over 100 cars.

How do I know the car you sell me will be reliable?

We are an AA Approved dealership which means all of our cars have to pass an extensive 128 point check and for extra peace of mind all our cars come with 6 months free warranty, 12 months MOT, and 12 months breakdown cover and you have the option to extend the warranty up to two years.

How old are the cars you sell?

We sell cars from 2 years old through to 9 years old. That means we have the choice to suit our customers.

I've been refused finance elsewhere, can you help me?

Yes, we can often arrange finance for people with poor or bad credit, even if you've been refused elsewhere. We have a large panel of lenders who specialise in helping people with bad credit, so even if you've been refused elsewhere, it's worth applying for car finance with us.

4 easy steps to your next vehicle (Representative APR 19.9%)