You're Welcome To Apply For A Car Loan With ACF Car Finance

Is your less than perfect credit rating proving an unwelcome hindrance in arranging the finance you need to buy your next car?

If so, ACF Car Finance may be able to help. We’ll provide a warm welcome at your local dealership where you’ll be able to choose from a wide range of quality used cars. What’s more, we could also assist in arranging a suitable car finance package even if you’ve been refused elsewhere.

We have hundreds of cars in group stock available to choose from. The wide range of popular makes available includes Ford, Honda, Nissan, Peugeot, Vauxhall and Volkswagen, to name a few.

ACF Car Finance aims to help every customer to find the right car for them at a monthly repayment to fit their budget. We welcome car credit applications from customers who are over 21 years of age, are employed, hold a UK Driving Licence and are resident in the UK.

You're welcome to apply online today by simply completing the application form opposite. If your application is approved, we would be delighted to invite you to your nearest ACF Car Finance showroom where you could drive your new car away the same day.

Dealership Locations Throughout England

  • Leeds
  • Manchester
  • West Midlands
  • Bristol
  • Dunstable
  • Maidstone

Am I Eligible To Apply?

If the following criteria apply to you then simply tick the boxes, complete the application form below and you'll get a decision in minutes.

(3 years' address history)

secure Your application is secure and all information will be dealt with in strict confidence.

Personal Details
Address Details
Contact Details

Please read the 'Important Information' below. If you are happy, please click on the 'Agree & Submit' button to proceed with your application.

Important Information

Within this Important Information, 'you' and 'your' means you, the person(s) accessing this website and the party on whose behalf you are doing so. We', 'us' and 'our' means ACF Car Finance Limited.

ACF Car Finance Limited. Registered in England number 4757280. Registered address: International House, Kingsfield Court, Chester Business Park, Chester CH4 9RF. Licensed credit broker.

Finance is provided subject to status, affordability and provision of the correct documents. You must be at least 21 years of age and a UK resident (excluding the Channel Islands, Northern Ireland and the Isle of Man). Security may be required by way of a Bill of Sale. Credit is only available on cars supplied by us.

The service we provide:

ACF Car Finance Limited can introduce you to a limited number of lenders that we have carefully selected. ACF Car Finance Limited and three of the lenders we use, namely The Funding Corporation (2) Limited, Cygnet Financial Services Limited, Specialist Motor Finance Limited are part of the same group of companies.

You make no payment to us for this service. However, a lender may pay us for introducing you to them.

ACF Car Finance Limited is unable to provide you with independent financial advice or provide you with a comparison of the cost of products available elsewhere as we are not independent financial advisers.

What we will do when you apply:

We will pass your details on to one or more of our preferred lenders who may search your record at credit reference and fraud prevention agencies and that of your 'financial associate' if you have one, i.e. a person with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be your spouse or partner (not a business partner). The lenders may also, in certain limited circumstances, check the records, including credit details, of other members of your family and, if you are a director or partner in a small business, may also check on your business.

If you tell us that you have a financial associate, the lenders will search, link and record information about you both at credit reference agencies. You must be sure you have your financial associate's consent to disclose their information.

If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information.

The lenders will use an automated scoring or other decision making process to assess your application and to verify your identity.

What the lenders will also do:

The lenders will add to your record with the credit reference agencies details of your agreement, the payments you make under it, any default or failure to keep to its terms and any change of name or address.

Account information given to credit reference agencies remains on file for 6 years after the account is closed, whether settled by you or upon default.

What the credit reference agencies will do:

Whether or not an application proceeds, the credit reference agency will place a record of the search on your credit file. This record (but not the lenders name) will be seen by other organisations when you apply for credit in the future. A large number of applications within a short period of time could affect your ability to obtain credit.

Whether or not this application proceeds, the agencies will link your records and those of your financial associates, including any previous and subsequent names. These links will remain on your and their files until you or they tell the agency you are no longer financially linked and the agency accepts this.

The agencies may supply the lenders with credit information, such as previous applications, the conduct of accounts in your and your financial associate's name, any business accounts you have, fraud prevention information and public information such as County Court Judgments, bankruptcies and the Electoral Register.

How the lenders will use the information:

Some information held by the credit reference and fraud prevention agencies will be disclosed to the lenders and other organisations to, for example:

  • prevent fraud and money laundering, for example by checking details on applications for credit and credit-related or other facilities, proposals and claims for all types of insurance and job applications and employee records;
  • recover debts that you owe and trace your whereabouts;
  • manage credit accounts and other facilities;
  • verify your identity;
  • make decisions on credit, insurance and other facilities, about you, your financial associates, members of your household or your business; and
  • carry out statistical analysis to help with decisions about credit and account management.

The information held by these agencies may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

The lenders and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

If you require details of those credit reference and fraud prevention agencies from which the lenders obtain, and to which the lenders pass, information about you, please write to: Customer Services Department, International House, Kingsfield Court, Chester Business Park, Chester CH4 9RF. You have a legal right to these details.

You have the right to receive a copy of the information ACF Car Finance holds about you if you apply to us in writing. A fee will be payable.

The information in this site is not directed at anyone other than UK residents and applications from others will not be accepted. The information contained in this site may not satisfy the laws of any other country. If you proceed to access the information included in this site, you acknowledge that you have read and agree with the above statement.

Telephone calls may be monitored or recorded for security and quality control. Lines are open Monday to Friday, 10am to 7pm and Saturday 9am to 5pm. For BT customers, calls to 0845 numbers will cost no more than 4p per minute. Call charges from other companies may vary and you may want to check this with your service provider. You may contact us using Typetalk. Information is available in large print, audio and Braille on request; please call for details.

* The part exchange service is available if you buy a car from us, with or without finance. The value of the part exchange will be offset against the price of the car.