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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.


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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