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Car Finance Made Easy

How to finance a car

What is the first thing you think of when you want to finance a car?

Normally it is finding your ideal car for your budget. But this does not need to be the first thing.,

The most important thing is knowing what your credit rating is. If you have good credit, you have monthly outgoings and bills which are always paid on time and you have a steady income then you will not have a problem getting a car on finance at great rates. On the other hand if you have bad credit you will struggle to find a lender but there are lends out there that will take a chance with you for example Guaranteed Car Finance. Most lenders just want to be sure that you can afford the repayments.

The History of Car Finance


William Durant was the first to introduce vehicle financing shortly after the introduction of automobiles to the public. Durant saw the demand for cars becoming a mass necessity rather than a luxury for the select few. Due to this, Durant sourced cars of different budgets to sell to people of different financial backgrounds. Durant went on to begin General Motors in 1908, were he was the first to offer car finance on the cars he sold.


The first car dealers had to pay upfront for the cars they stocked from manufacturers which is why dealers cold not afford to finance cars. However in order to grow the manufacturing company and meet supply they needed regular income which meant more cars being sold. The finance root was the answer. This made cars more accessible to dealers and in turn more affordable consumers.


Pass your driving test quicker

Get your driving licence quick!

Hi All! How many of you have been taking driving lessons on and off for years? Why not just get it done now? Save time and money!

As tests get harder and more expensive, you cannot afford to wait! Also, if you have been learning when you are ready to book our test then you are wasting money on lessons. JUST GO FOR IT!

You need a can do attitude- just think of all the people you know that have passed their test already and think if they can do it-SO CAN I!

Here are some tips to get you on your way.

1. Do your theory asap!

Whether you have started lessons or not, book YOUR THEORY! This is the first hurdle in your journey.

There are so many online tools you can use for hazard and perception and the highway code, USE IT! You may be able to borrow Books and computers disks from family and friends as once they have passed they will never use it again.

Car Finance Today

Before the recession pre 2006 there were many car finance companies as the banks were lending and there was little risk. There was more supply to meet the demand which was beneficial to the customer as they were able to obtain lower rates.

If we fast forward a little, before 2007 the recession came and hit the finance companies first with a knock out punch. The banks stopped lending and it was the end of the road for many companies. Lending rates were at a high and finance businesses that were hanging on in there were having to rethink their whole strategy as some lost everything and were starting from scratch after years of building their success.

Lending the companies own money meant that they did not have to rely on banks and were in control of the rates. As risky as it sounds at least if another recession hit it would not affect them as much.

Express Car Credit: Car Finance Birmingham

Car finance for all made easy!

Our aim is to make your car loan application as smooth and simple as possible.

With more and more people across the country looking for an affordable way to finance their new car, Express Car Credit are able to help you to avoid the large costs of buying a car out right but also keep your monthly costs to a minimum. Car finance has never been so easy.

Our car finance deals are based on your credit score. You can use our car finance calculator to find our what your monthly repayment would be and how much you will end up paying back. We do not turn away anyone with bad credit contact us and we will find the best deal for you. To find out more about how your credit score affects your car finance rate see our Frequently Asked Questions  page or contact one of our friendly advisors today.

We are open Monday to Friday 9am-6pm and Saturday 10-4pm! Call us or apply online at any time!

Apply Now!

Welcome to Express Car Credit your number one source for car finance and car loans. Our website aims to give you all the information you need about getting car finance and car credit. We also include the history of car finance on our express car credit blog, the different rates of car finance available for bad, average and good credit repayment rates can be found on the Express Car Credit homepage. If you need to make a car finance application, our two minute car finance application can be filled in with an instant provisional decision, if you simply want to speak to us, let us give you a call back.

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