Flexible finance plans. Affordable monthly payments.
Getting approved for credit plans like car finance can be difficult when you’re a student.
But, it doesn’t have to be.
Concept Car Credit is an experienced car finance broker, dedicated to getting as many customers as possible behind the wheel of their chosen car, at a price they can afford. And why should we treat students any differently?
Being aged 18-21 can come with its perks, but it usually means you have a credit score that’s lower on the spectrum compared to most adults – simply because you’ve not had time to build it up, and may not have a reliable income source.
This can stop you from getting approved for a personal loan, credit card, and even car finance.
With Concept Car Credit, we don’t look at your credit history. Instead, we look at your income, budget and lifestyle to put together a student car finance deal that suits you.
Sound good?
If you’re looking for a reliable, affordable and flexible car finance deal as a student, apply online today to find out more.
Most car finance providers don’t accept people with little to no credit history, but we like to do the opposite.
Because we specialise in car finance for bad credit, we can organise a car loan for no-credit students in no time – regardless of their credit score.
We work with students to get them the best deal (and the best car) for them and their budget. By using nine of the best lenders in the area, we can set up a personal contract purchase (PCP) or hire purchase (HP) car finance agreement in no time – most customers are driving off in less than an hour!
The best part?
With our flexible terms, if you’re ever struggling with your monthly repayments for any reason, just let us know and we’ll tweak your plan.
Choose Concept Car Credit for car finance for students.
Getting started with a finance deal can help build your credit report. Making full, regular, and on-time payments, shows financial responsibility – improving your credit score and making approval for loans and other finance agreements in the future, much more likely.
Here are our top tips on how to get a good credit score as a student:
You won’t believe how quickly your credit score will soar after registering on the electoral roll. It confirms your identity and gives possible lenders the security that you are who you say you are, giving them the confidence to confirm the deal.
Getting a job (part-time or full-time) shows possible lenders and brokers you have a reliable source of income you can use to make the repayments.
Top Tip: It’s also handy if you start small with a mobile phone contract, as it shows you can budget each month to pay off your phone plan.
Getting your own car is all well and good, but can you afford everything that comes with it? Road tax, insurance and running costs all add up, so make sure you can afford this on top of your finance payments.
Having a guarantor (someone who agrees to cover your payments if you start to struggle) improves your chances of getting approved for student car finance deals.
You don’t need one, but it can help.
Our student car finance options cover all of our quality used cars – with appearances from brands like Audi, Fiat and Vauxhall.
Let us know what you want out of a car and we’ll recommend some suitable options for you.
With used car finance, you’re guaranteed lower monthly repayments, compared to if you were to choose a brand new model.
If you don’t want to spend your whole wage on your car payments, apply for our affordable and flexible student car finance deals today.
Used doesn’t mean poor condition. We’ve invested over ONE MILLION POUNDS in reconditioning our cars, so every customer can drive with the peace of mind their safety is made a priority.
It won’t just look good, it’ll drive like it’s straight off the manufacture line!
Apply online at Concept Car Credit
Work with our team of experienced experts to find the right deal for you
Choose your car – if you’re not sure which is your favourite, our team can point you in the right direction
Sign on the dotted line
It’s time to drive off into the sunset and enjoy your new whip!
Ready to get behind the wheel of your dream car?
Contact us today for the best car finance for students!
But we don’t stop there.
Our blog contains lots of information on how to improve your credit score based on your income and lifestyle. Take a look to learn more about life with used car finance.
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
