Whether leasing or buying a new or nearly new car, our flexible finance packages provide an easy and cost-effective alternative to purchasing a car outright.
Having been operational since 2004 we have developed strong relationships with the top UK lending banks, and can offer our customers a wide range of flexible finance options to suit their individual needs.
If you have already found the car you want then simply complete a quick online application, and an experienced member of our sales consultant team will be in touch.
Alternatively, if you would like to make the most of our free dealer network, then simply complete our online contact form form to gain access to our full dealer network vehicle catalogue. For an idea of the cars we have available you can also browse our most popular car deals .
Rates start from 9.9% APR. Representative example: borrowing £7,500 over 48 months with a REPRESENTATIVE APR of 24.9%, an annual interest rate of 24.9% (Fixed) and a deposit of £0.00, the amount payable would be £238.10 per calendar month, with a total cost of credit of £3,928.80 and a total amount payable of £11,428.80. Rates may differ as they are dependent on individual circumstances. Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. No initial impact to your creditscore but a hard search will be added to your credit profile if you decide to proceed with finance.
At Creditplus we specialise in nearly new and new car finance and have been successfully helping our customers finance and find their cars since 2004. With so much experience we've become very good and efficient at providing this service and our excellent Trustpilot rating shows that our customers agree.
Whether you have found a car you like or you're still searching, our extensive range of available cars is sure to have something you like. And even if your requirements are very specific, we're confident we can source a vehicle that satisfies your needs using our nationwide dealer network.
But our service doesn't end there! Creditplus will fully vet the vehicle and dealership to ensure you’re getting a great deal. We’ll let you know the MOT status including recent history, service history, warranty status, ensure the vehicle hasn’t been written off or stolen, vet the dealership and let you know whether there are any potential dealership issues to be made aware of such as bad reviews, negative trading history or regulatory concerns- at no extra cost.
To start simply complete our easy-to-use online application form with your contact details, address and employment details.
We’ll then run a quick Soft Search to check your eligibility and you’ll get a decision straight away - don't worry as this won’t impact your credit score.
Once you’re approved, one of our friendly and experienced consultants will be in touch to discuss your finance options.
If you’ve already found the car you want, we’ll process the funds straightaway so you can get behind the wheel of your new car as soon as possible.
If you haven’t yet found a car that you want, or you would like to browse our stock, then you can either search for a car yourself using our car search portal. Or alternatively, your dedicated consultant will be happy to assist you find the perfect car.
For the best used car finance deals, simply complete our No-obligation Application form and a sales consultant will be in touch.
Information required to apply:
Hire Purchase (HP)
The cost of your loan is divided into equal monthly repayments, with a fixed interest rate. Your mileage is not limited, so you can enjoy maximum freedom on the roads. Once all payments have been settled – the car is all yours. Many people still like this type of financing, because it's a loan option that is familiar to most, easy to understand and budget for.Discover
Lease Purchase
Looking for low monthly payments but still want to own the car? The best thing about lease purchase is that you can choose to defer part of your loan to the end of your agreement, which is ideal if you want to keep your monthly repayments low. With lease purchase, you’re not restricted by annual mileage limits, and once you’ve paid the final balloon payment, you own the car outright.Discover
Personal Contract Purchase (PCP)
PCP finance on a used car gives you the widest choice of options at the end of your contract; you can either exchange your car for a newer model, return it to the lender and walk away, or pay the balloon payment to own the vehicle. PCP is popular with people who like to upgrade their cars regularly, and those wanting to keep their payment costs as low as possible.Discover
Car Leasing (Contract Hire)
Car leasing (also known as contract hire), typically offers lower monthly instalments as you are effectively renting a vehicle over a longer period. Your monthly payments are calculated based on the length of your contract and your mileage limit. At the end of your agreement the vehicle is returned to the leasing company. Whether you’re looking to lease a car for personal or business use this option provides a simple and cost-effective alternative to owning a vehicle.Discover
To discuss your brand-new and nearly new car leasing or car finance options, simply complete our quick No-obligation Application form and one of our car finance specialists will be in touch.
A ‘nearly new’ car is typically less than 2 years old, with no more than 5,000 miles recorded.
Buying a nearly new car is a cost-effective alternative to buying a brand-new vehicle.
You get all the prestige, reliability and comfort, but avoid the sharp loss in depreciation you experience when you drive a brand-new car off the forecourt.
Yes. We can provide new, and nearly new car finance for individuals with different credit histories, including those with bad credit.
If you’re looking for new car finance with bad credit, why not Check Your Eligibility today without affecting your credit score.
Yes. You can finance a car from any reputable dealership, so if you’ve already found your dream car, we can simply take care of the finance.
If you haven’t yet found your car, our expert team of vehicle buyers can help you find the perfect car as part of our service.
Apply Today and discuss your vehicle requirements with one of our friendly car finance specialists.
Yes. Depending on your credit rating and the type of agreement, we can often offer applicants a no-deposit option.
If you have a history of bad credit, lenders are more likely to require a deposit to secure the agreement.
Alternatively, if you have an old vehicle you are looking to sell, our part-exchange service means you can use your current car as a deposit towards your next vehicle.
New car leasing is ideal if you’re looking to keep your monthly payments as low as possible.
Unlike Hire Purchase, you’re simply paying to use the vehicle over an agreed period at an agreed mileage, and at the end of the agreement you simply return the vehicle to the leasing company.
With Hire Purchase, your payments cover the entire cost of the vehicle – so typically your monthly costs are higher, however at the end of the agreement you own the car.
If ownership is important to you, you may be more suited to a purchase agreement like HP, but if low monthly payments are your biggest priority leasing may be a better option.
Alternatively, if you want to keep your monthly payments low, but still want the option to purchase the car at the end of the agreement – Personal Contract Purchase is probably worth consideration.
A ‘nearly new’ car is typically less than 2 years old, with no more than 5,000 miles recorded.
Buying a nearly new car is a cost-effective alternative to buying a brand-new vehicle.
You get all the prestige, reliability and comfort, but avoid the sharp loss in depreciation you experience when you drive a brand-new car off the forecourt.
Yes. We can provide new, and nearly new car finance for individuals with different credit histories, including those with bad credit.
If you’re looking for new car finance with bad credit, why not Check Your Eligibility today without affecting your credit score.
Yes. You can finance a car from any reputable dealership, so if you’ve already found your dream car, we can simply take care of the finance.
If you haven’t yet found your car, our expert team of vehicle buyers can help you find the perfect car as part of our service.
Apply Today and discuss your vehicle requirements with one of our friendly car finance specialists.
Yes. Depending on your credit rating and the type of agreement, we can often offer applicants a no-deposit option.
If you have a history of bad credit, lenders are more likely to require a deposit to secure the agreement.
Alternatively, if you have an old vehicle you are looking to sell, our part-exchange service means you can use your current car as a deposit towards your next vehicle.
New car leasing is ideal if you’re looking to keep your monthly payments as low as possible.
Unlike Hire Purchase, you’re simply paying to use the vehicle over an agreed period at an agreed mileage, and at the end of the agreement you simply return the vehicle to the leasing company.
With Hire Purchase, your payments cover the entire cost of the vehicle – so typically your monthly costs are higher, however at the end of the agreement you own the car.
If ownership is important to you, you may be more suited to a purchase agreement like HP, but if low monthly payments are your biggest priority leasing may be a better option.
Alternatively, if you want to keep your monthly payments low, but still want the option to purchase the car at the end of the agreement – Personal Contract Purchase is probably worth consideration.
Your application only takes a couple of minutes and won’t affect your credit score.
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