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

We understand carfinance

we know it's sometimes hard to get accepted for carfinance thats why we've got a dedicated team of experts that are to obtain your car finance from a large panel of lenders.

we understand that getting the best options for car finance is critical to you and important to us too and we always try and source local car finance companies that offer a personal touch and look at your circumstances carefully and not just says computer says no.

We've made the proccess easy too just simply go to the apply page and complete the form which will then be submitted to our team who will then seek out the best finance supplier to suit your particular circumstances.

Once this has been done, we'll notify you as soon as possible and advise you on when the finance company will call.

Hire Purchase (HP)

Hire purchase or HP is an arrangement where you hire the car from a finance company until you’ve fully paid for it. The finance company own the vehicle until the final payment is made, after which time it’s yours to keep. Hire purchase tends to require a deposit usually 10% of the car’s value. The higher the deposit, the lower the monthly payments.

Personal Contract Purchase (PCP)

Personal contract purchase or PCP is similar to a hire purchase. You’re likely to be asked to pay an initial deposit, and then monthly payments for a set period. The higher your deposit, generally, the lower the monthly payments. Even with the deposit though, monthly payments are typically lower than you’d find with a hire purchase deal or a personal loan. This is because you'll be paying off the value of the depreciation of the car, not the full value of the car.

At the end of the agreement, if you decide you want to keep the car, you’ll need to pay what’s known as a ‘balloon payment’. This covers the cost of the vehicle and transfers ownership from the finance company to you. If you don’t want to keep the vehicle, you can give it back, or start a new PCP deal and get a new car.

How to save on finance

Before taking out a car loan, you need to take into account how much you are going to spend, how much are you able afford to pay back each month and how good or bad your credit history is. The great way to compare deals is to look at the total cost of credit as this will take into account the monthly payments, and how long you'll end up paying back the finance for. One thing to be careful of when comparing finance deals is that, while extending the period may bring down the cost of monthly payments, it could also mean you'll pay more interest overall.

What is APR

Annual percentage rate (APR) is the total charge for borrowing, including any fees and charges for that lending. We will show you either an exact APR or a representative APR. Exact APR means the rate you see will be the rate you get. Representative APR is an advertised rate that at least 51% of people who are accepted for the product will pay.