Price promise on all new and used vehicles

Bad Car Credit

Competitive Financial Services to suit your needs

At Henson Motor Group we understand that not everyone has a perfect credit profile, that’s why we have created a specialist panel of lenders to help you get finance and drive away in a new car. Buying a car should be a fun, hassle free experience for everyone, we keep all applications confidential and are dedicated to finding the best finance options available to suit your budget from our unique panel of lenders.

We can consider benefits, Part time employment, Armed Forces, CCJ’s, IVA’s, 18 yr olds, provisional licence holders, European licence holders & defaults to name a few. All we ask is that you can prove your income and are not currently bankrupt.

Come and have a face to face chat with one of our experienced team who will help with your application.

Finance Application

Here at Henson Motor Group we have several different options available for you to finance your new vehicle. Everything from Hire Purchase to Personal Contract Purchase, together with Lease Purchase and Motor Loans. This all arranged at our showroom and can be completed in as little as 1 hour – meaning you could be driving away the same day.

Please give us a call on 0191 266 8686 if you would like to discuss your options in more detail or feel free to call into our showroom at any time and a member of our team will be more than happy to help you.

Who can we help?

We have a unique panel of lenders that help anyone who may be struggling with obtaining car finance. You may be self-employed or an agency worker, on benefits or with low income, even taxi drivers and armed forces personnel are able to apply. It may be that you have missed some payments on other credit agreements, have CCJ’s or defaults, or that you have had no finance before. Whatever your circumstances we are here to help.

If you are 18 years old or older and are able to prove your income (bank statements/payslips) we welcome your application. Fill in our online application and a member of our team will be in touch.



Agency worker
On benefits
or low income
Taxi drivers
Armed Forces
Missed payments or have CCJ’s
and defaults

Apply with Bad Car Credit


Why finance through a dealership?

HP Hire Purchase is a hiring agreement between the customer and finance company secured against the vehicle. The customer has the option to own the vehicle at the end of the agreement, subject to payment of the option to purchase fee.

PCP Personal Contract Purchase is in essence a purchase agreement. However a predicted minimum future value (balloon payment) is off set until the end of the agreement this is called Optional Final Payment (OFP). At the end of the PCP term, the customer has three options; 1) to keep the vehicle after paying the OFP, 2) hand back to finance the finance company or 3) part exchange for another vehicle. PCP is subject to agreed mileage at the end of the term where excess charges apply. Please ensure the mileage band meets your needs.

LP Lease purchase is a form of conditional sale agreement, which means that the regular payments are similar to a lease/rental agreement but you will own the car at the end of the deal. The deferred sum will be determined by the age and mileage of the car at the end of the agreement. The difference between a lease purchase and a PCP agreement is that the deferred sum (referred to as a Guaranteed Minimum Future Value

CS Conditional Sale is very similar to the hire purchase, the key difference is that the customer will own the vehicle outright at the end of the agreement. There is no option to purchase fee to be paid.

PL A Personal Loan is normally a loan at a fixed cost for a fixed period of time to purchase any item the customer wants, which can be for many things including the purchase of a vehicle. This is not secured on the item purchased.