90% of Applications Approved

No Fees, No Deposit, No Impact on Credit Score, Instant Decision

All Credit Ratings Welcome - No Problem!

Drive Away an AA Approved Car Same Day

Apply Online Today
* No impact on your credit score.
Green Car

Step 1

Apply Online

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

Apply Now

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. All from our 5 star rating dealership.

Step 3

Complete Agreement

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

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Get Your Finance Approved Instantly – Drive Away Same Day!


Apply Online Today
* No impact on your credit score.

How It Works

The simple way to finance your next car


We make it easy

Once Approved through easy online application. A dedicated adviser will contact you with the amount of finance to have been accepted for.

Cars for everyone

We will guide you to our AA Dealership, once your happy with your choice, will be confirm your monthly repayment and options.

Effortless with E-Sign

Once you're happy, we'll arrange for E-Sign documents to be sent directly to you to sign at your convenience. During this time we'll get to work preparing your new vehicle for collection.

Pick up or delivered

Upon satisfactory receipt of your documents and any requested proofs the car will be available for your collection next day. If you are out of area delivery can be arranged, which is chargeable at cost dependant of destination.

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Frequently asked questions

View all FAQ's


Yes, it is often possible, Black Country Car Finance work with finance partners that specialise in lending to customers in this position. They will decide based on several factors including severity of past issues, credit profile, amount of deposit and affordability.
This will vary from deal to deal dependant on the strength of your credit rating and the chosen term of the agreement. The finance company will apply a rate that reflects the level of risk they see when advancing you the amount towards your purchase. It could range between 9.9% APR to 55% APR but will always be highlighted and explained to you in your pre contract agreement, prior to entering into any agreement.
Yes, this is a common practice and can be arranged of your behalf. It is useful to get the settlement figure of your existing agreement prior to choosing your new vehicle.
Not necessarily, dependant of the strength of your credit profile and the book value of your new vehicle it may be possible to borrow the full amount.

Let's get started

Applying with us only takes a couple of minutes and won’t affect your credit score.


Apply Online Today
* No impact on your credit score.
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