A Small Solution To A BIG Problem

A Small Solution To A BIG Problem

If you've ever been turned down for car credit, then you'll know just how much an inconvenience it really is.

If you've ever been turned down for car credit, then you'll know just how much an inconvenience it really is.

“I had almost given up on getting car finance but I thought I would make one last try and went to Accept Car Credit. I dealt with Neil and I have to say the service was first class and within 10 days I had my new car. I am a very happy customer.”
“I had almost given up on getting car finance but I thought I would make one last try and went to Accept Car Credit. I dealt with Neil and I have to say the service was first class and within 10 days I had my new car. I am a very happy customer.”
90% of users recommend us
90% of users recommend us

Accept Car Credit is a Specialist Car Finance Lender

Accept Car Credit is a Specialist Car Finance Lender

The Car You Want From The Dealer You Choose!
That’s the Accept Car Credit way.

The Car You Want From The Dealer You Choose!
That’s the Accept Car Credit way.

Specialist responsible car finance lender for car loans to customers with a poor/bad credit history.
Specialist responsible car finance lender for car loans to customers with a poor/bad credit history.
No credit scoring and no fees
Deal direct with the underwriters
Competitive interest rates
Cases considered with:      
              CCJs      
              Defaults      
              Previous IVAs and discharged bankrupts                 Previous credit and mortgage arrears
No credit scoring and no fees
Deal direct with the underwriters
Competitive interest rates
Cases considered with:      
              CCJs      
              Defaults      
              Previous IVAs and discharged bankrupts                 Previous credit and mortgage arrears

Frequently Asked Questions

Frequently Asked Questions

Hire Purchase is one of the most common types of finance, it is really simple – you hire the vehicle and make fixed monthly repayments until you have paid off all of the agreed finance.
There are no surprises at the end of your agreement such as balloon payments or mileage restrictions.
The entire car price is spread across your agreement term and once all monthly payments have been made the car becomes yours, making it one sensible option for borrowing.
Hire Purchase is one of the most common types of finance, it is really simple – you hire the vehicle and make fixed monthly repayments until you have paid off all of the agreed finance.
There are no surprises at the end of your agreement such as balloon payments or mileage restrictions.
The entire car price is spread across your agreement term and once all monthly payments have been made the car becomes yours, making it one sensible option for borrowing.
Have you been refused car finance due to bad credit? Don’t worry it does not mean that you can’t get car finance! We are specialists in bad credit car finance. 
Many of our customers have been refused car finance from mainstream lenders because of poor or bad credit history.
Apply via our online application form to find out if we can help you secure the finance you need for your next car purchase
Have you been refused car finance due to bad credit? Don’t worry it does not mean that you can’t get car finance! We are specialists in bad credit car finance. 
Many of our customers have been refused car finance from mainstream lenders because of poor or bad credit history.
Apply via our online application form to find out if we can help you secure the finance you need for your next car purchase
We can offer loans from £2,000 to £20,000, all we require is a minimum 20% deposit.
We can offer loans from £2,000 to £20,000, all we require is a minimum 20% deposit.
You can apply for finance direct via our website. Just fill in our application form, it takes less than 2 minutes!
You can apply for finance direct via our website. Just fill in our application form, it takes less than 2 minutes!
• You are a UK resident for at least 3 years. (We are unable to provide finance for those living in the Republic of Ireland.)
• You have a full UK Driving Licence.
• Your income is over £1500 per month and paid directly into a UK bank account.
• You are able to provide 2 months consecutive payslips and 3 months consecutive bank statements.
• You are over 18 years of age. You may require a parental joint hirer.
• You are not in an active bankruptcy or debt relief order.
• You are a UK resident for at least 3 years. (We are unable to provide finance for those living in the Republic of Ireland.)
• You have a full UK Driving Licence.
• Your income is over £1500 per month and paid directly into a UK bank account.
• You are able to provide 2 months consecutive payslips and 3 months consecutive bank statements.
• You are over 18 years of age. You may require a parental joint hirer.
• You are not in an active bankruptcy or debt relief order.
We are specialists in providing car finance to people who have experienced bad credit in the past.
Our customers are never judged solely on their credit history. Instead, decisions are based on a blend of science and human judgement to understand whether the repayment schedule will be manageable for the customer.
This approach allows us to consider any extenuating circumstances such as a poor credit history, self-employment or any previous mortgage or council tax arrears and view you as an individual, not just a number.
For more information, please visit our Bad Credit Car Finance page.
We are specialists in providing car finance to people who have experienced bad credit in the past.
Our customers are never judged solely on their credit history. Instead, decisions are based on a blend of science and human judgement to understand whether the repayment schedule will be manageable for the customer.
This approach allows us to consider any extenuating circumstances such as a poor credit history, self-employment or any previous mortgage or council tax arrears and view you as an individual, not just a number.
For more information, please visit our Bad Credit Car Finance page.
We do not offer guarantor finance, but may require a joint hire in certain circumstances.
We do not offer guarantor finance, but may require a joint hire in certain circumstances.
There are criteria that have to be met such as maximum mileage restrictions and maximum age of vehicle restrictions.
We can help you source the car you want from one of our reputable dealers across the UK.
All of our dealers are authorised and regulated by the Financial Conduct Authority.
By only choosing dealers that are FCA regulated reinforces our high standards of service to our customers.
There are criteria that have to be met such as maximum mileage restrictions and maximum age of vehicle restrictions.
We can help you source the car you want from one of our reputable dealers across the UK.
All of our dealers are authorised and regulated by the Financial Conduct Authority.
By only choosing dealers that are FCA regulated reinforces our high standards of service to our customers.
Yes, you can but we will require a joint hirer who is in full-time employment or self-employed.
Yes, you can but we will require a joint hirer who is in full-time employment or self-employed.
We specialise in providing finance to individuals who have struggled to obtain credit. We charge a higher APR on our finance products because we serve the sector of the community, which are usually excluded from conventional lending and our customers are seen to be a higher risk by other lenders.
To reward our loyal customers who have proved they are committed to improving their credit could receive a reduced interest rate on their next agreement.
We specialise in providing finance to individuals who have struggled to obtain credit. We charge a higher APR on our finance products because we serve the sector of the community, which are usually excluded from conventional lending and our customers are seen to be a higher risk by other lenders.
To reward our loyal customers who have proved they are committed to improving their credit could receive a reduced interest rate on their next agreement.
We are a Direct Lender
We are a Direct Lender

IMPORTANT Credit is subject to status, affordability and credit check

We are registered in England and Wales under company number 05264401.


Our registered office is at:
Accept Car Credit Limited, 2 Longroyde Close, Rastrick, Brighouse, West Yorkshire HD6 3UR
Accept Car Credit Limited is fully authorised by the Financial Conduct Authority from 3rd May 2016 - number FRN711589

IMPORTANT Credit is subject to status, affordability and credit check

We are registered in England and Wales under company number 05264401.


Our registered office is at:
Accept Car Credit Limited, 2 Longroyde Close, Rastrick, Brighouse, West Yorkshire HD6 3UR
Accept Car Credit Limited is fully authorised by the Financial Conduct Authority from 3rd May 2016 - number FRN711589

Representative APR:29.9%
Loan Amount:£5,000
Loan Term:48 months
48 Monthly Repayments:£168.75
Annual Rate of Interest:29.9%
Total Amount Payable:£8,200

Representative APR:29.9%
Loan Amount:£5,000
Loan Term:48 months
48 Monthly Repayments:£168.75
Annual Rate of Interest:29.9%
Total Amount Payable:£8,200

Suggested Representative
APR Example
Suggested Representative
APR Example

29.9%
£5,000
48 months
£168.75
29.9%
£8,200

29.9%
£5,000
48 months
£168.75
29.9%
£8,200

Become Part Of The Solution
Become Part Of The Solution
CONTACT US
CONTACT US
neil@acceptcarcredit.co.uk

Customer Services:
01484 718151
neil@acceptcarcredit.co.uk

Customer Services:
01484 718151
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