We offer quality used cars and specialist finance packages to suit your individual needs.
Applying today doesn't impact your credit. Concept Car Credit is a credit broker, not a lender.
Our Top Picks
You don’t have to know much about cars to know that BMW models are some of the best of the best. With advanced technology, powerful engines and excellent performance, you won’t be disappointed when you choose one of our BMW cars on finance.
Here at Concept Car Credit, we have a wide range of used BMW cars that can be yours today in manageable monthly payments.
The BMW range is known for being reliable, practical, and stylish – making them a great option for those who want a car they can trust and look good in.
Boasting top-tier engineering and sophisticated designs, these vehicles are a testament to the brand's commitment to excellence.
Along with the high-quality safety features and innovative technology, BMWs make for a fantastic family car that ensures everyone's comfort and security.
For long drives or even just quick trips around town, you can depend on the consistent performance of your new BMW, which promises not only luxury but durability too. Enjoy the included benefits like rear-wheel drive, heated seats, and more with your chosen BMW model.
While the allure of outright purchasing BMW cars for sale may initially seem more appealing, have you ever thought about the flexibility and benefits of finance?
Available with hire purchase finance, you get access to the same high-quality vehicle for a fraction of the initial price. This is conveniently broken down into monthly payments, allowing you to split the cost over time, making the dream of owning a luxury vehicle a reality.
We have a diverse range of models available here at Concept Car Credit. Whether you’re after the Sport Auto edition or a spacious SUV, petrol, or a plug-in hybrid, the world truly is your oyster when you choose to finance a car with us.
If you’re not sure which car is best for you and your lifestyle from the BMW group of cars, don’t worry. Our experts are on hand to talk you through each model and recommend the best option for you based on your lifestyle and preferences.
Our team is versed in the car world. Whether you want to know more about a BMW 1 series, an active tourer or the BMW xDrive, we can help. You can even filter your options by fuel economy, or electric vehicles and we’ll do what we can to get you the BMW of your dreams.
If you’re not sure what you want, our showroom is the perfect place for you. Located just outside of Manchester, you can see our selection of BMWs for yourself and ask questions as a member of our team guides you around.
Want to get behind the wheel of a BMW for a price you can afford? We’re here to help.
Available for UK residents over the age of 21, with a UK or European driving license, Concept Car Credit has hatchback, saloon and sporty BMWs ready for you to drive home in less than an hour after application.
Don’t stress about your credit rating or CCJ, we aim to organise a suitable financial solution for as many customers as possible.
For more information, call us today on 0800 093 3385 or apply online and we’ll be in touch as quickly as possible to get you your used BMW on a finance plan that suits you.
If you have a low credit rating, some lenders may be hesitant to offer you finance for a BMW, while others might reject your loan application altogether. But not us at Concept Car Credit!
We have plenty of used BMWs to choose from at our showroom in Manchester. When compared with brand-new models, these have much lower purchase prices – ultimately reducing the loan amount required.
As a smaller loan is needed to finance your new vehicle, lenders may perceive the risk to be considerably lower and, therefore, be more willing to offer better financing terms (usually with higher levels of interest to be paid).
To apply for a BMW on finance with us, you’ll need to complete a short application form or speak to a member of our team. We’ll then consult with our panel of financial companies to establish a monthly payment plan that suits not only your budget but your needs and lifestyle, too.
Always dreamt of driving a BMW?
Here at Concept Car Credit, we’ll find you the perfect model for your needs and compare finance deals from some of the top UK lenders – helping you to finance your car the easy way.
Instead of paying for your car in one lump sum, there will be a credit agreement between you and the finance company. You’ll be required to make monthly instalments for an agreed term and, once the final payment has been taken, you will be the legal owner of the vehicle.
To apply for and secure BMW finance, you must be over the age of 21, hold an up-to-date UK or European driving licence, and have been a UK resident for 3 years or more.
Once you’ve been approved, we’ll invite you to visit our showroom and discover the different models we currently have available.
To find out more about our BMW finance options, call us at 0800 093 3385.
Although we’re open 7 days a week, we like to make sure that our customers are dealt with professionally and made to feel welcome when they visit us, which is why we prefer to operate on an appointment-only basis.
By having something in the diary, we can make sure that at least one of our sales specialists is free to answer your questions about BMW finance – ensuring you’re not sat waiting around for hours on end when you have somewhere else to be.
So, if you’re interested in getting a used BMW on finance, or would like to talk through your options or book a test drive, be sure to call 0800 093 3385 and let us know when works best for you.
Use our car loan calculator to give you a better indication of how your payments will look.
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