In this brief guide, we will discuss immediate car finance and how to build your credit score and history.

Immediate car finance

Immediate car finance is a credit broker in the Uk with FACA registration number 768696. They are focused on helping people with bad credit scores and history finance a car.

The process of applying for a car with immediate car finance is relatively simple. You can apply for a car online, receive a decision within a few hours and collect your car on the same day without the need for a down payment in most cases.

You can apply for a car with immediate car finance if::

You are on the Electoral Roll / Have a Good Reference

You are employed / self-employed / on benefits

You have a full UK driving License

You may be accepted for a car with immediate car finance if you have any of the below:

DLA & Benefits

No Deposit





Self employed


HP Arrears

Agency Workers

Rent Arrears

HM Workers

Full Time & Part Time Employment

Mortgage Arrears

The type of cars you could get with immediate car finance include:









Low Tax

Fuel Efficient

10 plate & newer car models

Contact immediate car finance

Depending on where you live, you can use the below numbers to contact immediate car finance:

HEAD OFFICE- 1613 002488

BRISTOL- 01172 448 969

NEWCASTLE UPON TYNE – 0191 487 8762

SHEFFIELD – 01142 870 267

SOUTHAMPTON – 01489 795 193

WEST MIDLANDS – 01782 940208

ENFIELD  – 01442 507086

You can also contact them via their website.

Building your credit score and history

If you have bad credit then looking to build your credit score and history could ensure you qualify for better financial products in the future.

You can build your credit score by:

Registering to vote and getting on the electoral roll

Getting a secured credit card

Getting a credit builder card

Getting a credit builder loan

Avoid getting rejected for credit 

Keep your credit accounts open for as long as possible

In this brief guide, we discussed immediate car finance.

John Bate

John has 22 years of experience in financial services. This spans across financial research, financial services (As a qualified mortgage broker and underwriter), financial trading and sales at global investment banks. While working as a publishing research analyst, he covered European bank credit and advised institutional clients on investment strategies at both JP Morgan and Societe Generale. John has passed all three levels of the CFA (Chartered Financial Analyst) programme.