The Car Loan Centre

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Representative 51.32% APR

Will lend between: £4,000 - £12,000

Over: 36 - 60 Months

Representative example: If you borrow £7,999 over 48 months at a Representative rate of 51.32% APR and an annual interest rate of 26.23% (fixed), you would pay 48 monthly instalments of £336.33. The total charge for credit will be £8,393.96 (includes Advance Payment and handling fee of £249), and the total amount payable will be £16,442.96.

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  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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  • Poor credit history considered
  • All employment statuses considered
  • No guarantor needed
  • Joint applications available

Minimum criteria

  • Aged 18 or over (no maximum age)
  • Hold a valid UK/EU Driving Licence
  • UK resident


  • Maximum APR 51.32%
  • Arrangement fee: £249
  • Early repayment fee: £0
  • Late payment fee: £15

The Car Loan Centre Customer Question & Answers

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About The Car Loan Centre

The Car Loan Centre specialise in offering car finance to those who have bad credit, poor credit, CCJs, defaults, arrears or have previously been bankrupt. They can also help if you have a benefits only income, are self-employed and more.

Every customer's application is assessed individually by and underwriter, their finance is based on your affordability as opposed to your credit score meaning they are able to approve more customers. The repayments of your loan entirely depends on how much you can afford to pay in your initial deposit, then you'll pay equal instalments of the remaining balance. 

The Car Loan Centre can consider all circumstances, even those who have been declined and refused car finance by other lenders. They can also approve joint loan applications, where at least one of the people applying will need a full UK driving lisence. They're based in Essex but can arrange for nationwide delivery if you aren't able to get to their head office. 

Company information

Registration number: 08679485


The Car Loan Centre

FCA registration

Reference No: 729827

Trading names: The Car Loan Centre, CLC Car Sales

Place of business: Unit 15 Alpha Centre 238 London Road Wickford Essex Unit 15, The Alpha Centre, 238 London Road, Essex, SS12 0JX

Data protection registration

Registration No: ZA020916

Address: Unit 15 Alpha Centre 238 London Road Wickford Essex Unit 15, The Alpha Centre, 238 London Road, Essex, SS12 0JX

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