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Vehicles you have selected are stored here so you can review them later.

Simply click the button to save up to 6 vehicles that you are interested in to store them in your garage.

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About Us

What do we do?

The Car Loan Centre supply quality used vehicles to customer's who have been approved for car finance, we lend our own money and make our own decisions.

Our aim is simple: To supply each customer with the right car to suit their individual circumstances, needs and budget.

How do we do it?

We pride ourselves on being able to consider applicants who have been turned down elsewhere. Every customer's application is assessed by an individual, we do not rely on computer generated credit scores. more info

As we lend our own money, we make our own decisions, so even if you've been refused elsewhere, we are in a position to say YES. We are authorised and regulated by the Financial Conduct Authority (FCA) as a lender. We are also Specialist Automotive Finance Approved by the Finance & Leasing Association.

No Credit Scoring car finance available
with all circumstances considered!

How does The Car Loan Centre make their lending decisions?

The Car Loan Centre will assess its customers' applications on an individual basis, taking care to ensure that any finance provided takes into consideration your current circumstances and ability to repay.

As such we base all of our Car Finance underwriting decisions on you as an individual and your circumstances, and do not use your credit score. Our underwriting process is as follows, we start by requesting a few documents:

  • Proof of ID
  • Proof of Address
  • Last few months’ bank statements

Secondly, we perform a credit search to review your financial history. Once this has been completed one of our underwriters will determine your affordability by reviewing your income and expenditure using your bank statements. On completion of this we will be able to determine a monthly figure that is affordable to your individual circumstances. Once approved you are passed back to your Sales consultant to arrange a Collection/ Delivery date for your new vehicle.
If you have further questions, please see our FAQ page or feel free to contact us on 0330 3800 400

Our Lending Criteria

To apply for finance with The Car Loan Centre you must meet the following criteria:

  • Aged 18 or over (no maximum age)
  • Hold a valid UK/EU Driving Licence
  • UK resident
  • Employed or Self Employed
  • Benefits income accepted
  • Not currently bankrupt
  • CCJs, Defaults, Arrears all considered

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What makes us different...

  • 100's OF CARS IN STOCK
  • BAD CREDIT SPECIALISTS - CCJS, DEFAULTS, ARREARS, ALL CONSIDERED
  • A LENDER THAT CAN SAY YES!
  • NO BALLOON PAYMENTS
  • NATIONWIDE DELIVERY AVAILABLE!

...and all our Cars come with

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