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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.


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!

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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