0161 543 1121

Car Finance Based on Affordability,
Not Just Credit History

The Banks See You As A Number, We See You As A Person.

  • Good & Bad Credit Options
  • ​No Deposit Needed 
  • 2 Minute Application
  • Same Day Approval
  • ​Pay Weekly or Monthly  
  • ​Great APR Rates From 4.5%

Car Finance Based on Affordability not just Credit History

  • Good & Bad Credit Options
  • No Deposit Needed
  • 2 Minute Application
  • Same Day Approval
  • ​Pay Weekly or Monthly
  • ​Great APR Rates From 4.5%

FREE car finance check in under 2 minutes - How Does It Work?

Get Approved

Fill in our quick form and your details will instantly be entered into our approval system, one of our experienced finance advisors will then match you with the best lender available for your circumstances.

Choose Your Car

Once we’ve got you the best offer on the market you can speak with one of our car hunting experts who will help you choose the perfect car for your budget and get you some quotes. We have hundreds of cars ready to choose from on our website but if you want something a little different you’re free to choose a car from any reputable UK dealer.

Sign & Collect

Once you’ve found the right car for you we have 2 options, either head down to the dealership to test drive and collect your car or we can arrange a home delivery so you don’t even have to leave the house.

FREE car finance check in under 2 minutes -
How Does It Work?

Get Approved

Fill in our quick form and your details will instantly be entered into our approval system, one of our experienced finance advisors will then match you with the best lender available based on your affordability, not just credit score.

Choose a Car

Once we’ve got you the best offer on the market you can speak with one of our car hunting experts who will help you choose the perfect car for your budget and get you some quotes. We have hundreds of cars ready to choose from on our website but if you want something a little different you’re free to choose a car from any reputable UK dealer.

Click & Collect

Once you’ve found the right car for you we have 2 options, either head down to the dealership to test drive and collect your car or we can arrange a home delivery so you don’t even have to leave the house.

The Banks See You As A Number, We See You As A Person.

Car finance may seem unrealistic if you have credit worries but we have relationships with some of the UK’s leading car finance lenders who look at what people can afford now rather than what’s happened in the past.   

And, when it comes to offering you a loan to buy your car, our finance partners simply look at your ability to pay us now and in the future.
 
 A less than perfect credit history shouldn’t stand between you and the car you need.

Choose a Budget, Choose a Car, Drive Away 

The Banks See You As A Number, We See You As A Person.

Car finance may seem unrealistic if you have credit worries but we have relationships with some of the UK’s leading car finance lenders who look at what people can afford now rather than what’s happened in the past.   

And, when it comes to offering you a loan to buy your car, our finance partners simply look at your ability to pay us now and in the future.
 
A less than perfect credit history shouldn’t stand between you and the car you need.

Choose a Budget, Choose a Car, Drive Away 

Good Credit from 4.5% APR, Average Credit from 19% APR, Bad Credit from 29.9% APR  

Read through all our independent customer reviews

What Do Our Customers Say About Us?

Who Can Apply?

  • Good Or Bad Credit  
  • ​No Deposit
  • ​Employed
  • ​Self-Employed
  • ​Agency Workers
  • ​Benefits Only
  • ​CCJ's & Defaults

CHOOSE ANY CAR FROM ANY DEALER  

Swipe Through To See Some Of The 100'S Of Cars Available At Our Dealerships.  

CUSTOM JAVASCRIPT / HTML

Whether you’re looking for a family car, 7 seater, MPV, sports car, convertible, electric… you want it - we’ll find it.   All cars are professionally checked and prepared and come with MOT certificates and warranty.

CHOOSE ANY CAR FROM ANY DEALER  

Swipe Through To See Some Of The 1,000'S Of Cars Available At Our Dealerships.  

CUSTOM JAVASCRIPT / HTML

Whether you’re looking for a family car, 7 seater, SUV, sports car, 4X4, convertible, electric… you want it - we got it. All cars are professionally checked and prepared and come with MOT certificates and warranty.

What Is Hire Purchase? (HP)?

Getting your next car with HP finance means you can spread the cost over a fixed number of monthly installments rather than paying everything upfront.  

  • No Restrictions On Mileage  
  • Own Your Car At The End Of The Agreement
  • Ability To Settle The Agreement Early At Any Time For A Discounted Rate 

Can I Get A Car If I Have a Low Credit Score?

Yes, we can help people with all types of credit scores. 

You may not get the same deal offered to somebody who has excellent credit but we can help you get your foot on the ladder, keep up with your monthly payments and you’ll be able to get a better deal on your next car

What Is Hire Purchase? (HP)?

Getting your next car with HP finance means you can spread the cost over a fixed number of monthly installments rather than paying everything upfront.  

  • No Restrictions On Mileage  
  • Own Your Car At The End Of The Agreement
  • Ability To Settle The Agreement Early At Any Time For A Discounted Rate 

Can I Get A Car If I Have Bad Credit?

Yes, we can help people with all types of credit scores. 

You may not get the same deal offered to somebody who has excellent credit but we can help you get your foot on the ladder, keep up with your monthly payments and you’ll be able to get a better deal on your next car

© 202s Finance Link | ICO: ZA765684
Good Credit from 4.5% APR, Average Credit from 19% APR, Bad Credit from 29.9% APR  
JLB Ltd T/A Finance link is registered in England and Wales under company number:12364797. Registered office address: Regus Trafford Park Centenary House Centenary Way Salford M50 1RF.

JLB Ltd T/A Finance link is authorised and regulated by the Financial Conduct Authority, under FCA number: 927340. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will receive commission from them  (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers.

JLB Ltd are registered with the Information Commissioners Office under registration number: ZA765684

Representative example: borrowing £6,000 over 5 years with a representative APR of 20.9%, an annual interest rate of 20.9% (Fixed) and a deposit of £0.00, the amount payable would be £156.07 per month, with a total cost of credit of £3.364.20 and a total amount payable of £9,364.20

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