Accept Car Credit | Specialist Car Loan Finance Lender
    • No credit scoring
    • No Upfront fees
    • Competitive interest rates
  • The car you want from the dealer you choose

Apply for
car finance


Choose a car
from any dealer


Sign the


Drive away in
your new car


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. 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

car finance, car finance bad credit, car finance explained, Accept Car Credit

Accept Car Credit is a privately owned, family-run, bad credit car finance company with over 30 years’ experience in lending responsibly against the value of the Car / Light Commercial Vehicle. Due to the fact we only lend trade value we do require a minimum 10% deposit this does help in the future should you wish to sell or part exchange your car/van.

We’re authorised and regulated by the Financial Conduct Authority and the CCTA (Consumer Credit Trade Association) so you know you are in the safest of hands when you apply for Accept car finance.

Quick, Simple and Stress-free

Being without a car can be a huge hassle. From not being able to get to work or do the school-run to having to rely on public transport, the less time you’re without a vehicle the better!

With Accept Car Credit the time you spend without a car is kept to a minimum. The process of applying for car finance couldn’t be more seamless when you choose Accept Car Credit – no matter what your credit history.

1) Apply for car finance Accept Car Credit, Accept car finance, bad credit, car finance

2) If approved, choose a car from any dealer

3) Sign the paperwork

4) Drive away in your new car


Reviews from our customers past and present, who have benefited from Accept car finance speak for themselves. You can read them here.

Cars and light commercials considered up to 8-years-old & 100,000 miles!

Why Choose us?

“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.”

User DJC1966 from Review Centre

90% of users recommend us

Click to Apply Now!

  1. Apply for car finance
  2. Pick a car from any licensed dealer
  3. Sign the paperwork
  4. Drive away in your new car