Urban Credit Advantage Having problems getting car finance

A fast, efficient, personal service provided by our team of friendly, expert advisors
We work hard to make car financing easy and affordable. Our friendly, helpful, Personal Advisors are committed to getting you the very best car finance deal as quickly as possible.


As an Independent Company, we’re not tied to any one lender and can therefore offer a wider choice of car finance packages at the most competitive rate.

Getting a great deal on car finance has never been easier!

Previously, if you’d been refused car finance, you were left with no alternative but to choose a car from a ‘limited selection’ of vehicles, offered only by dealers specialising in so called `bad credit car finance!’ Not any more, we make it our business to get you the very best car financing deal you deserve.

What’s more, we offer you the flexibility to choose the quality car YOU want from the dealer of YOUR CHOICE!


Eight Great Reasons to APPLY TODAY

  • Repayment Terms from 1 to 5 years
  • Finance secured only on your vehicle
  • Quick Decisions, majority within
    the hour
  • Finance available from
    £2,000 to £50,000
  • Secure, simple, quick
    online application
  • Optional GAP & Payment Protection cover available
  • Fixed Rate Promise so your repayments will never change
  • We DON’T Charge you a fee, unlike others, our service is completely FREE!
Apply Now


Step One
Complete our quick, online, car finance application or, if you prefer call us with your details, either way it couldn’t be easier!

Step Two
We’ll process your car finance application immediately, we aim to confirm your decision and car finance credit limit within the hour

Step Three
CHOOSE the car YOU want from the dealer of YOUR CHOICE, save time and avoid any unnecessary, embarrassing questions, arrive at YOUR dealer PRE-APPROVED, safe in the knowledge your great car finance loan has already been agreed


Getting approval for car finance has never been easier