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Fill in our simple online form and you could be driving your new car in no time.

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Concerned about getting car finance?

Motor City Plymouth work in partnership with some of the UK’s leading lenders specialising in helping customers with poor credit ratings and those who may have had problems taking out credit in the past. We can create a bespoke credit option based upon your credit profile, offering repayment terms up to 60 months, to help get you behind the wheel of your dream car – for less than you might think!

Historic credit issues? Not sure if you qualify for car finance?

Our online car finance facility has been specifically designed to help customers who may have had a poor credit history, find a car that fits within their monthly budget.

Credit Rating Explained:

Lenders tend to judge your finance application based upon 2 key factors:

  • Your credit history (e.g. how much outstanding debt you have, how well you have repaid credit in the past and any missed repayments)
  • Your overall current profile (including factors such as time at current address, length of time in your current job, etc.)

Lenders will then combine these two elements to create an overall "credit score" or "credit rating" for you as a potential customer.

Every lender has their own opinion of what a suitable "Credit score" should be, so if you are rejected by one lender this does not necessarily mean that you will be rejected by another.

Am I eligible to apply?

Anyone can apply for car finance - provided that:

  • You are 18 years of age or over
  • You hold a valid UK provisional or full driving license
  • You must have fully comprehensive insurance.
  • You must be the registered keeper of the vehicle and keep it in your possession for the term of the agreement. You cannot obtain motor finance in your name for someone else.
  • You have been a resident on the UK for over 3 years
Are currently in employment and earning in excess of £850 per-month after tax

Check your chances of being accepted for car finance

We highly recommend using our FREE car finance eligibility checker to discover the likelihood of being accepted for used car finance from our network of leading motor finance lenders. If you are not satisfied with the result of the check, please get in touch with us on 01752 344414. Motor City Plymouth also works with several specialist lenders who will consider those with lower credit scores or those who have been refused finance. We are proud to say Motor City Plymouth has helped hundreds of customers with poor credit ratings get accepted for motor finance.

Find a car that fits within their monthly budget with our online finance facility.

Browse our used cars