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Representative example:

Borrowing £5,500 over 48 months with a representative APR of 29.9%, the amount payable would be £183.33 a month, with a total cost of credit of £3,2300 and a total amount payable of £8799.84
Rates may differ as they are dependent on individual circumstances.
Subject to status.

PayAsUGoCarFinance is part of Walton Hall Garage Ltd. Walton Hall Garage Ltd is a credit broker, not a lender. Our rates start from 9.9% APR. The rate you are offered will depend on your individual circumstances. FCA Number 660897
Leading the way in car finance
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How It Works
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Find answers to the most commonly asked questions here:

Pay As You Go can arrange finance for amounts up to £25,000
The credit limit you are offered will be determined by considering both your credit history, and your current circumstances. We will only be able to advise of your personal credit limit when you have completed an application.

Our panel of lenders will consider all circumstances and specialise in finding solutions for people who may have had difficulties with credit in the past.

Our lenders have a range of products and will offer a finance product to match your current credit profile.

Usually just a driving license and proof of your income will be enough for our lenders, however we may require an additional proof of address in some circumstances.

Our panel of lenders specialise in finding car finance solutions for people who have had credit difficulties in the past. We accept over 90% of the applications we receive. Even if you have been declined previously you may still qualify for credit through Car Credit Liverpool.

We do all the hard work for you, so you don’t need to go to just any dealer. You’ll get access to thousands of high-quality AA inspected and approved cars at the lowest possible prices, available right on your doorstep.

It’s important that we not only offer you the right finance deal but also the best value on the highest quality vehicles. You can be confident that you wouldn’t pay more money for the same car elsewhere.
Once you’ve applied for car finance online and your application has been approved, you will be sent a selection of cars that meet your budget. If you can’t see one you like, just let us know.

Absolutely – even if the car you have is on finance. We will give you a fair price for your car, and any equity you have can either be used as a deposit on your next car which will reduce the amount you would pay monthly- or you could take cashback.

We can arrange finance for customers with no deposit, however you may be asked to pay a fully refundable £100 holding fee if you would like to reserve a specific car.

Pay As You Go Car Finance

At Pay As You Go, we aim to make car finance simple. Our application process is really quick and easy, and all of our staff are accredited Specialist Motor Finance Experts, who will give you expert advice and will guide you through the process from start to finish.

The Pay As You Go process is so streamlined and easy that you could actually be driving away in your new car within 24 hours of making your application.

We have a panel of 15 different lenders which enables us to achieve a much higher approval rate than many other car finance brokers, so even if you have been declined for credit elsewhere we may be able to help.

All makes and models of cars are available, with prices from £4,000 up to £25,000 and we can offer credit limits to match.

With 1000’s of great value AA inspected cars to choose from, and over 200 available and ready to drive away today, you don’t need to wait.

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Why Choose Us

We operate exclusively in Liverpool, servicing Merseyside and the North West region, and our philosophy is that everyone should have the chance to drive away in the car of their dreams.

Once we’ve found you a perfect car finance deal, we will then help you get a great value car too, from over 1000 high-quality cars at the lowest possible prices.

Our team of finance experts specialise in providing our customers with the right car and the right finance deal, even if they have poor credit.

Apply Now! You’re just minutes away from getting a decision on car finance, it really couldn’t be any simpler.

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 specialise in finding finance solutions for people who have had issues with their credit previously. Typical examples of credit issues include, but are not limited to, CCJ’s, arrears, defaults and missed payments

We can provide car credit for all employment types from company directors to self-employed taxi drivers. We can also help you to obtain car finance if you currently have bad credit or have been refused in the past. If you receive PIP or are currently in an IVA – we may still be able to help. We are a responsible business and while we can help most people, we cannot guarantee the offer of car finance.

Representative 29.9% APR

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 may be 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, have had mortgage arrears, are in an IVA, have 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 seamless process
  • Ensuring the best deal for you from our wide and diverse panel of lenders
  • SAF approved
  • A massive selection of AA inspected vehicles to choose from
  • We price check our vehicles daily to ensure great value
  • Cars available to suit all budgets
  • 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 – it really couldn’t be any simpler. Applications are processed 24 hours a day, every day. 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 to purchase one of the cars from the available stock. From application to collection from the motor dealer, the whole process can be as short as just 24 hours.

How It Works

Step 1 – Submit your application online.

Once we have received your application, we will submit it for underwriting with our finance partners.

Step 2 – Provide your proof of ID and Income.

Shortly after you have submitted your application one of our Finance experts will contact you to discuss your application, vehicle requirements and to obtain copies of your drivers license and proof of income.

Step 3 – Select A Car

We will send you a selection of cars which are available to you based on the criteria you have selected, the terms of credit you have been approved for and your budget.

Step 4 – Demonstration

Once you have found “The One” you will be invited to test drive, and given a full demonstration of the vehicle, along with a verbal and written explanation of your specific finance agreement.

Step 5 – Handover

Once you are satisfied that you have found the car and the right finance agreement – we will complete the appropriate documentation with you and arrange for you to drive away in your new car.

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