Poor Credit History?

All of the above –  YOU CAN STILL APPLY!


Forget about your past.
Get a decision fast!
  • No obligation quote
  • No fee charged
  • No deposit
  • Applications accepted nationwide
  • Personal advisor
  • Same day acceptance


Apply Online
Get A Quote Today
Apply Online

We find you the best loan to finance your car

Choose a Car

Collect or have delivered nationwide

Drive Away!

Simply sign paperwork and drive away!

Our friendly professional team are available to assist your application. Contact us today and let us search the market for the best finance deal.

Have A Question? Ask our team

Pay As You Go Car Finance Deals

At payasUgocarfinance our aim is to provide car loans that cost you less! We will get you the most competitive rates relative to your personal circumstances from our panel of specialist lenders.

We can provide car credit for all employment types from company directors to self-employed taxi drivers. We can also help you to obtain a car loan if you currently have bad credit or have been refused in the past. Typical examples of credit issues include, but are not limited to, CCJ’s, arrears, defaults and missed payments.

We are a responsible business and while we can help most people, we cannot guarantee the offer of car finance.

Representative 49.99% APR

Our Preferred Lenders

Best Deals on Pay as You Drive Car Finance

Are you trying to get pay as you go car finance? Been refused elsewhere? Even if you have been refused finance elsewhere we maybe able to help.

We understand that things don’t always go according to plan. We do our best to find affordable car finance even if you have had past poor credit history.

Whether you have CCJs, mortgage arrears, council tax arrears or other payment defaults, if you’re self-employed or even if you have NO credit history at all, we are sure we can help.

Why Choose Pay As You Go?

We understand that it is not always a simple process to get approved for credit for car finance, which is why we now offer pay as you go car finance.

But why else should you choose pay as you go?

  • Established car finance specialists
  • Quick and seemless process
  • Ensuring the best deal for you from our  panel of lenders
  • SAF approved
  • Nationwide coverage

What is it?

Pay As You Go Car Finance is an increasingly popular and more accessible way of taking ownership of a new vehicle. It is ideal for individuals who have suffered from poor credit. It helps lenders to mitigate the risks involved and quite often gives them the confidence to lend more money to higher risk categories than ever before. We work with multiple lenders who offer this type of finance, including some who particularly specialise in poor credit.

This type of finance usually involves the lender fitting a small black box to the vehicle. The black box is then used to help manage the payment cycle. Usually the lender will send a text message to the agreement holder prior to a payment being due, if the payment is missed a reminder text is also often sent. Failing this the car can be remotely deactivated via the black box’s built in GPS. If and when the payments are brought up-to-date the car can then be reactivated. In extreme cases the technology can be used to track and recover the vehicle. In a nut shell, if you don’t pay you can’t drive the vehicle and that has led to it being known as ‘pay as you go car finance’.

PAYG car finance can help make owning the vehicle of your dreams a reality.

How Can I Apply for a PAYG Car Finance Deal?

To apply for pay as you go car finance, simply click on our ‘APPLY NOW’ button and fill in the application form. If you would prefer to speak to someone about your application, simply give us a call on 0151 263 1324 and have a chat with one of friendly advisors. If you then want to proceed with an application, the advisor will be more than happy to take down the details required to apply.

The amount of interest (APR) that you will pay will depend on your credit score, determined by various factors such as previous credit activity, employment history, income, expenditure and traceability. The responsible lenders we use have varying credit limits, that range between £2,000 and £25,000.

Please be aware in the majority of cases you will require at least a provisional driving license in order to apply for a pay-as-you-go car finance deal. In all instances, proof of ID will be essential – this can be a driving licence, a UK passport and/or a debit card. You may also need a proof of address, which can be a household bill, bank statement or mortgage statement.

After your application has been processed and accepted, you will be given an acceptance that you will be able to use at our preferred motor dealer. From application to collection from the motor dealer, the whole process can be as short as just 24 hours.

How It Works

PAYG car finance is usually a quick and easy process. Here’s what usually happens:

  1. You make an application online, over the phone or at our office.
  2. You will be advised usually within 24 hours whether your application has been accepted
  3. You will then be given your acceptance details to take to our FCA authorised motor dealer
  4. You will the agree with the motor dealer the vehicle you want and your monthly payments
  5. All paperwork will be signed with the motor dealer
  6. You will collect your vehicle once the motor dealer has received funds from the FCA authorised lender you are accepted with

Please note: You may need to pay an initial deposit to the motor dealer in some cases, but this will come off the price of the car, then the remaining balance will be paid off in monthly instalments, this will go directly to the lender via Direct Debit. Your final payment may come with an ‘option to purchase’ fee. This will all be explained to you by the motor dealer prior to signing any documentation.

Wherever you are based, please come and visit us at our Liverpool branch.

What type of finance do we offer?

We can offer car credit and car finance to anyone across the UK. However, if you are in the surrounding are to our Liverpool office we are easily commutable from North Wales, Wirral, St. Helens and Lancashire

We are a responsible lender. If you have any questions about affordability and suitability please give us a call.