Black Country Car Finance
60 SECOND APPLICATION · SOFT SEARCH ONLY

Yes, We Can Help Whatever Your Credit Story!

The friendly face of car finance. Find out how we could help you buy your next car.

4.9/5
202+ Trustpilot reviews
All credit histories welcomedNo deposit options60 second applicationSame day approval
Happy Black Country Car Finance customer collecting Ford Edge
5.0
Happy Black Country Car Finance customer with Vauxhall Mokka
5.0
Happy Black Country Car Finance customer collecting Hyundai Tucson
5.0
Happy Black Country Car Finance customer
5.0
Happy Black Country Car Finance customer
5.0
Happy Black Country Car Finance customer
5.0

How It Works

The simple way to finance your next car

Step 1

Apply Online

A few moments are all you need. Complete our easy online application form today and find out how much you can borrow for your new car.

Step 2

Choose Your Car

Browse stock at our AA approved dealership. With a variety of used cars to meet every need we're sure you'll find what you're looking for.

Step 3

Complete Agreement

Complete the paperwork. For convenience we e-sign your agreement in the comfort of your own home or at the dealership if preferred.

We consider most circumstances — you could drive away the same day

Soft search only — checking your eligibility won't affect your credit score.

Apply Online Today

Why choose us?

The friendly face of car finance

Based in the heart of the West Midlands, we work with a panel of carefully selected lenders to help you drive away in the car you want, on terms that work for you.

All credit histories welcomed

Good, fair, or rebuilding — we partner with specialist lenders to find a yes for more drivers.

Same day approval

Get a decision in minutes and drive away the same day where possible.

No deposit options

Many of our finance plans don't require a deposit upfront.

Soft credit search

Check your eligibility with no impact on your credit score.

FCA authorised

Fully regulated by the Financial Conduct Authority (FRN 668482).

Pick up or delivered

Collect from our dealership or arrange home delivery.

Rated Excellent on Trustpilot

Our customers say it best

4.9 / 5
based on 202+ reviews

Loyal customer

"I've had 3 of my cars from here and it's excellent service — very helpful and friendly people."

Suzanne Davis-Smith

Absolutely fantastic service

"Absolutely brilliant service from start to finish. Paul was fantastic — I asked so many questions and he never made any of them feel like trouble. Will definitely be recommending to friends and family."

Mandy Fletcher

Quick and easy

"Made an enquiry about financing a car, signed and collected it within a few days. Stress free and easy. Would highly recommend!"

Charlie

Easy and straightforward

"On the Wednesday I messaged about a car I was interested in, after a few replies I was approved and picked it up on the Saturday. The whole experience was easy."

Natalie

Great customer service

"Great customer service, friendly staff & honest. Second time using them & would not hesitate recommending them to friends and family."

Kevin Richards

Excellent service

"Excellent service, very friendly. Would definitely recommend."

Katie Longshaw

Eligibility

Yes, we can help — whatever your credit story

A bumpy credit history shouldn't keep you off the road. Pick your budget, choose your car, and let our friendly team find a finance plan that works for you.

Good or bad creditNo deposit requiredEmployedSelf-employedAgency workersBenefits consideredCCJs & defaultsPreviously refused

FAQ

Frequently asked questions

Representative Example

Borrowing £6,500 over 60 months with a representative APR of 19.9%

Monthly Payment

£163.91

Total Cost of Credit

£3,334.60

Total Amount Payable

£9,834.60

Representative APR

19.9%

Finance subject to status. Rates offered may vary based on individual circumstances.