Go Car Credit Limited is a UK car finance company that has been helping people secure affordable car finance since 2017. With over 7 years of experience in the UK market, the company has built a strong reputation for supporting drivers who may have found it difficult to get approved elsewhere.
As a Financial Conduct Authority (FCA)-regulated lender, Go Car Credit follows strict standards designed to protect customers and ensure fair, responsible lending. Their clear and transparent approach has made them a trusted name in non-prime car finance — a sector focused on helping customers with limited or poor credit history.
Their main product is the Hire Purchase Agreement (HP), a straightforward form of car finance where you make fixed monthly payments over an agreed term. Once the final payment is complete, the car becomes yours. This simple structure gives drivers peace of mind, as every payment brings them closer to full ownership without unexpected costs or confusion.
What really sets Go Car Credit apart is their strong belief in ethical and responsible lending. They carry out standard credit checks and income verifications to confirm affordability, not to penalise anyone for past credit problems. If you are going through payslip reviews or bank-statement checks, their goal is to match each customer with a finance plan that fits their situation safely, sensibly, and with understanding.
Why We Partner with Go Car Credit
At Carplus, we work with lenders who share our commitment to making car finance more accessible for everyone. Go Car Credit fits this perfectly. They focus on non-prime and bad credit car finance, which means they help people who might have been turned away by mainstream banks.
Their approach is simple and transparent. Applicants must be at least 21 years old, have lived in the UK for three years or more, and earn a regular income — at least £1,500 per month paid into a UK bank account. They also require a full UK driving licence and some proof of income, such as payslips or bank statements. These criteria ensure that finance is affordable and realistic for every applicant.
We also appreciate the way Go Car Credit supports customers from the very start. Their Eligibility Checker lets you see whether you’re likely to be accepted before completing a full application, helping you save time and avoid unnecessary credit checks. It’s a simple but valuable step that keeps the process clear and stress-free.
Regulation and Responsibility
When you finance a car through Go Car Credit, you’re working with a lender that’s fully authorised and monitored by the FCA (the UK’s financial regulator). You can find their authorisation on the FCA Register, where every approved firm is listed. This regulation gives you reassurance that the company operates within legal and ethical boundaries.
If any issue arises, customers also have access to the Financial Ombudsman Service (FOS), an independent body that helps resolve complaints fairly between consumers and lenders. This extra layer of protection means every Carplus customer has someone impartial to turn to if they ever need support.
But good service starts before problems appear. Go Car Credit takes responsibility seriously by following ethical lending principles. Their approval process includes affordability checks (like reviewing bank statements, payslips, and credit reports) to make sure each customer can comfortably manage their repayments. It’s about creating car finance that works for real people, not just the numbers.
What Go Car Credit Offers for Our Clients
Go Car Credit offers a range of car finance options to fit different needs. Their products include Bad Credit Car Finance, CCJ Car Finance, No Guarantor Car Finance, Joint Car Finance, and Used Car Finance. Each option is designed to help people at various stages of their financial journey.
For example, someone rebuilding their credit might choose a Bad Credit Car Finance agreement, while a couple sharing responsibility could apply for Joint Car Finance. Every option is based on the Hire Purchase model, giving customers fixed monthly payments and the certainty that they’ll own the car once the final payment is made.
Meanwhile, the company’s approval process is designed to be quick but thorough. They focus on finding realistic terms rather than pushing high borrowing limits. Some of their partner dealerships also use telematics “black box” technology, which helps track vehicle usage and repayment patterns, an optional support tool for customers who prefer extra guidance in managing payments.
Why Go Car Credit Stands Out for Carplus Clients
Go Car Credit stands out because it combines understanding with responsibility. Many people come to Carplus after being declined elsewhere, and Go Car Credit gives them a second chance, one built on fairness, not pressure. Their transparent eligibility criteria, regulated status, and commitment to ethical lending perfectly match the values we uphold at Carplus.
By partnering with lenders like Go Car Credit, we can help more people finance a reliable car and rebuild their financial confidence at the same time. It’s not just about driving away in a vehicle, it’s about doing so with peace of mind, knowing the finance is affordable, fair, and fully regulated.
Together, Carplus and Go Car Credit make car ownership possible for those who need a practical, trustworthy route to finance — without unnecessary complexity or judgement.
