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About us

Vehicle Credit Limited was established in 2012, to meet a niche in the market by providing a product that met the demands of customers who could not find traditional vehicle finance from main stream lenders.

With continued success and expansion, Vehicle Credit Limited has now lent in excess of £56 million to help clients obtain a new vehicle.

Vehicle Credit Limited was established in Leicester where it has expanded its Head Office, to be now situated near the main vein of the motorway network of the M1/M69, in the heart of the Midlands, making sure it keeps local values at the heart of its operations.

Vehicle Credit Limited only offer their products to carefully selected dealerships, which meet our stringent requirements. You can therefore trust and be sure that any of the dealerships Vehicle Credit limited offer their products through offer an excellent service and product and all our dealerships are regulated by the Financial Conduct Authority, giving you, the customer greater protection and peace of mind.

At Vehicle Credit Limited we pride ourselves on being able to help customers who have previously been refused car finance elsewhere. Our aim is best set out in our key objectives:

  • Working together to ensure we meet our customers’ expectations.
  • Treating Customers as we like to be treated ourselves.

Vehicle Credit Limited is a member of the Finance & Leasing Association. As part of our membership, Vehicle Credit Limited subscribe to the FLA lending code in addition to the requirements we must meet under the Financial Conduct Authority Regime. You can view the lending code by clicking here.

Members of

Vehicle Credit Limited is Authorised and Regulated by the Financial Conduct Authority FRN: 678040. Registered in England & Wales 07941730, VTG House, No 1 The Osiers Business Centre, Leicester, LE19 1DX. VAT Reg No. 152149232

How hire purchase works

Monthly Payments
  • Suitable for all credit ratings.
  • Fixed monthly payments.
  • Interest accrued over the finance period divided between all payments.
  • £0 deposit available.
  • Can settle the agreement early.
  • No annual mileage limits.
  • Option to purchase fee at the end of the agreement.

Representative 45.5% APR

Representative Example: - Vehicle price £5,590, borrowing £5,590 with no deposit over 36 months with a representative 45.5% APR, an annual interest rate of 20% fixed, Total Charge for Credit £3,878 (including a £499 Product fee and a £25 Option to purchase fee). Total amount payable £9,468, 35 monthly payments of £262.30 and a final payment of £287.50.