At UsedCar 123 we offer the widest range of finance companies possible.

We have handpicked our range of lenders and brokers to get the best possible deal. You can apply online, apply over the phone or call in to one of our locations.

We are also happy to assist if you have an acceptance from a broker and we are a Car Loan 4 U, First Response, The Car Finance Company and Car Finance 24/7 recommended dealer.

We offer some of the most competitive rates in the market and can do most ages and mileages on cars and vans.

We cover all circumstances even if you have been declined elsewhere.

At CarCredit 123 we specialise in credit for everyone no matter what your personal circumstances. CarCredit 123 is a family run business with the aim of providing the general public in particular those with a poor credit rating, the opportunity to purchase a newer car, not only that we like to make it as easy as 1 2 3, click here for more details

Finance Jargon Decoded


Also known as document. This is the detailed finance paperwork that you will get a copy of and you will sign.


Annual percentage rate. This indicates the annual rate of interest including any fees.

Balloon Payment

Some finance lenders allow you defer a portion of money that you borrow. This in turn normally leads to lower payments. This will need paying at the end of the agreement.

Consumer Credit Directive

The CCD for short has been set by the EU to ensure all consumers receive good quality advice and easy to understand information. It also ensures protection with financial advertisments and processes.

Credit rating

Also called a score, record or history is what a lender will use to determine if they will lend you money or not. They find this by checking with credit bureaus such as equifax, experian, call credit etc.


This is the equity your car loses over time.


This can be positive or negative. This is determined by taking the value of your car and taking the finance balance outstanding.

Fixed Rate

Fixed rate means that payments are fixed at the flat rate and will not alter with the bank of England rises.

Flat Rate

This is the flat rate of interest. It doesn't take into account admin fees. This will show the amount of interest you will pay.

Hire Purchase (HP)

This form of finance the finance company own the car till you have made the final payment.

Personal Loan

With this form of finance you own the car from the start.

SECCI or Pre Credit Contract Information

In conjunction with the CCD this is the paperwork to help you understand the finance agreement.

To switch between the full and quick finance forms, please use the button below

Full Finance Form

About You

About Your Home

How long have you lived here?

About Your Employment and Income

How long have you worked here?

How long did you work here?

About Your Bank

How long have you been with your current bank?

In considering your enquiry we may search your record at a credit reference agency. They may add to your record details of our search and your enquiry and this will be seen by other organisations carrying out later searches. It is important that you give us accurate information. We may check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud we will record this. We and other organisations may use and search these records to help make decisions about credit and credit related services, for you and members of your household; trace debtors, recover debt, prevent fraud, and to arrange your accounts or insurance policies; check your identity to prevent money laundering unless your furnish us with other satisfactory proof of identity. You have a right, on payment of fee, to receive a copy of the information we hold about you if you wish to apply to us in writing. We may pass on your details to other companies to send information about the product.

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