333 Dyas Road Great Barr Birmingham B44 8TA

Affordable Car finance for you

Car Finance Made Easy

You are here


Can I get a car loan if I have bad credit?

Express Car Credit will not turn you away if you have bad credit. We specialise in providing car finance for people who have do not have the best credit and are unable to obtain finance elsewhere. If you can afford the repayments we should be able to help you. For us to give you more information on this please contact us and we will give you personal advise.

Can I get car finance if I am self-employed?

We can provide finance to you if you are self employed, we may require 3 months worth of bank statements for us to know that you can afford the repayments.

How old do I have to be to get a car loan?

Due to UK law you need to be 18 years old or over to have a financial agreement. Unfortunately if you are under 18 you will have to wait a little longer.

Where can I buy my car from?

We will provide finance for you to obtain your car from Express Car Credit or from any trusted UK dealer. Contact us for more information.

How long does it take to apply for car finance?

When you apply online you will get a provisional offer immediately then one of our representatives will give you a call within the hour to confirm your details and arrange the next steps.

What documents do I need to provide?

Proof of income, Copy of driving licence, Proof of address etc.

What is APR?

APR is an abreviation for Annual Percentage Rate. Lenders are required to state this rate under the Consumer Credit Act in order to calculate the amount you will be repaying and to compare with other lenders.

What is a Credit Rating?

Credit ratings are used to predict the customers behavior in terms of repayments based on your past credit history. Any credit card, loan, and direct debit payment you have had will influence your credit score. Your credit rating can affect your car finance rate.

What is Good Credit?

Roughly a credit score 700 and 850

What is Average Credit?

Usually a credit score 620-699

What is Bad Credit?

Roughly a credit score between 300-619

What affects my credit rating?

The following may affect your credit rating amongst other factors

    Number of late payments

    Public records

    Type, length of time held and amount of bank accounts obtained

    Overall debt


Express Car Credit, Car Loans, Car Lease, Car Finance, Car Finance Calculator, Part Exchange, Car Finance Birmingham, Birmingham Car Finance, Car Credit Birmingham, Birmingham Car Credit, Birmingham Car Loans, Birmingham Car Lease

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.

Express Car Credit Logo

For Sales & Customer Service

Tel: 0121 270 2877

Mon - Fri 9am - 5pm

Sat - Sun 10am - 4pm

© Express Car Credit 2020

Webdesign by MetApps