Apply today for Car finance
choose from any uk dealer
low or no deposit schemes available
good and bad credit considered
Car Finance
Apply for Car Finance

Car Finance

Low rate Car Finance for good and bad credit profiles

Apply today for flexible Car Finance with affordable monthly payments

Here at What Credit, we offer some of the best car finance deals on the market. Our team are on hand to ensure you get the best possible finance package when looking to get a new or used car.

We have access to every Lender and we can help people get the finance they need regardless of their credit history.

If you have a good credit score then getting accepted is easy. However, if in the past you have had issues this can sometimes prevent you from being offered the finance you deserve. Our underwriters understand that everybody can have problems, which is why we look at every car finance application differently, we don't just decline a car finance application because of previous credit or loan problems. We consider every application and approve lots of people every day, even if they have been declined elsewhere.

Why customers come to us for their Car Finance

Thousands of people every month come to us to get their car finance, and here are a few reasons why...

  • We offer car finance for good & bad credit profiles
  • We arrange flexible car finance packages to suit you
  • We have many low rate car finance deals from 4.9% APR
  • You can choose a car from any UK dealer or private seller
  • You get access to thousands of cars Nationwide
  • Applying for car finance with us is quick and simple
  • Most of our car finance applications are approved
  • You can get accepted for car finance fast
  • Car finance terms from 12 months to 60 months
  • No deposit or small deposit options available
  • Fixed monthly car finance payments

How our Car Finance works

Getting a new car on finance through What Credit is a very simple procedure. Simply apply online through this website and your details will be sent to our underwriters, who will process your information and find the most suitable Lender with the best possible deal.

Once you have been accepted, we will contact you by phone or email to let you know. We will then ask for some simple paperwork to complete your application. Once we have received these we can then set your credit limit and discuss your payments and the options available to you, so you know exactly how much it will cost you per month before you start looking for a car.

Finding your new or used car

When you have been approved for car finance, and you know how much you can afford to spend, you can then do the exciting part - finding a car!. Our flexible finance gives you the option to choose a car from any reputable UK dealer or private seller. This gives you the choice of thousands of cars nationwide and knowing you have already been accepted means you can shop with confidence knowing your car finance is already in place.

When you have found a suitable car all you have to do is contact us with the name & address of the dealer or private seller and the details of the car and we will check out the history of the car to ensure that everything is ok. We check the vehicle mileage, and its history to make sure the vehicle has not been involved in an accident and that the price is fair for the age & condition of the car. We also contact the seller to get all the relevant details that we need from them, including their bank details to arrange the payment to them.

After these checks have been made we will contact you to discuss your exact payments, then the paperwork will be sent via email for you to sign. When the paperwork has been signed & returned to us, we will then do our final check and the Lender will then release the funds to the dealer or private seller.

Collecting your new or used car

When the Lender has finalised everything and the dealer or private seller has been paid, you can then talk to them to arrange collection of your car - It's that simple!


If you have any questions about our car finance products please call us on 01622 200 150 and speak to a member of our team who will be on hand to answer any questions you have.

All circumstances considered

  • Car Finance
  • Low Rate Car Finance
  • Been Refused Car Finance
  • Car Loans
  • Car Credit

We cover the UK

  • Lancashire
  • West Yorkshire
  • Manchester
  • South Yorkshire
  • Cheshire
  • Derbyshire
  • Cambridgeshire
  • Suffolk
  • Buckinghamshire
  • Middlesex
  • Hampshire

  • Staffordshire
  • Shropshire
  • Nottinghamshire
  • Leicestershire
  • Rutland
  • Gloucestershire
  • Oxfordshire
  • Hertfordshire
  • Essex
  • Surrey

  • Norfolk
  • West Midlands
  • Worcestershire
  • Warwickshire
  • Northamptonshire
  • Bedfordshire
  • Berkshire
  • Kent
  • Sussex
  • London