Coronavirus (COVID-19) update

Due to the coronavirus, we want our customers to remain safe and respect social distancing. So, as a result, we will manage your application over the phone and will send you some great pictures of the choice of cars available and will even deliver your new car to your door!

Close message
Session expires in 05:00
We aim to put You in the driving seat Concept Car Credit Unit E1, Europa Park
Stoneclough Road, Radcliffe
Gt.Manchester, M26 1GG

Good / Bad Credit? Fill out the form below and we'll let you know within an hour if we can help you with the finance you need for your dream car. We accept: Defaults CCJ's Bankruptcies Missed-Payments Self-Employed Agency-Workers Payment-Arrears No-Deposit Full-Time-Employment Part-Time-Employment Benefits-Only


  • You must earn a minimum of £1,500/month for 3+ months to qualify

By submitting your application, you agree to our terms & conditions and privacy policy. Here at Concept Car Credit Limited we take your privacy seriously and will only use your personal information to administer your account and to provide the products and services you have requested from us.

We can accept:

  • Defaults
  • CCJ's
  • Bankruptcies
  • Missed Payments
  • Self Employed
  • Agency Workers
  • Payment Arrears
  • No Deposit
  • Full Time Employment
  • Part Time Employment
  • Benefits Only (DLA or carers allowance)

Your dream car your budget

Why choose Concept Car Credit?

Apply Now

Our Showroom A handful of the cars we have on offer

Apply Now

We are here to help you

Apply Now

Concept Car Credit has been trading for over 15 years and we have more than 20,000 happy customers.

Trust us to get you back behind the wheel, regardless of your financial history.

Customer Testimonials

  • Very easy and very fast procedure couldn't ask for better staff makes buying a car simpler without all the hassle 5 star team thanks a lot love my new car will definetly be advising my friends and family to come here Coates Monday 9th September, 2019

  • Came to look around at cars today had the worst morning due to my own car breaking down, Ben was very helpful made us feel at ease 5 star service, really nice man, drove our new car away within the hour, so leaving happy today 😁 Terriann Monday 9th September, 2019

  • Fetha was very helpful and answered all my questions and queries efficiently. He was polite and courteous and did not pressure me into anything. Paul Threlfall Monday 9th September, 2019

  • Brilliant service all around. Anthony was brilliant, knowledgeable and got me in and out with a new car! Anon Friday 6th September, 2019

  • Brilliant service from start to finish!! Even had a coffee waiting!! Thanks Gaz!! Oniel Thursday 5th September, 2019

Apply Now