Debt Management Car Finance

Car finance debt management advice

Car finance debt management advice

Are you in or recently had a DMP (Debt management plan) or DRO (Debt relief order)? If yes, you may have some difficulty getting a finance approval.


However, work with car finance companies that  focus on providing  car loans to people who have or have had a DRO or DMP. So whatever it is that you want to finance – a car, van, motorhome, caravan or even motorbike, Socialmotors is the place to go!

We have helped thousands of people that have been declined elsewhere.


Apply for car finance with debt management

When applying for car finance with Socialmotors, we will compare options for you from over 20 finance lenders – obviously finding you the best interest rate available. We have lenders that specialise in bad credit car finance options for customers with poor credit pasts.


Your credit history is not the only thing finance providers look at when considering to offer loan agreements. To work out whether you are a suitable applicant further information is needed, such as: Your income, employment and residential status – But don’t worry we even have option for people on 100% benefits

Application process

Make an application online

Apply now or call us, one of our experienced advisors will take some basic details for our lenders to review. If approved you will be offered a credit limit for your new car.

Choose your car

Once you have your credit limit, one of our advisors will assist you in choosing your new car from our showroom – we have over 1000 vehicles available in group stock, at this stage you will be able to discuss your needs and establish the car you want.

Documents and Delivery

We will now prepare your new car for delivery and get it to you usually within 48 hours, giving you a free 12 month comprehensive warranty & 12 months MOT. Once your car arrives, if your happy you sign your finance documents.

Application Criteria

Do you meet the hire purchase car finance application criteria?

To be eligable for car finance all you need is to…

  • Be aged 18 or over
  • Hold a full UK/EU driving licence
  • Be UK resident for 3 years
  • Have a Full time, part time job, be self-employed
  • Not bankrupt

Please note: if your income is 100% benefits you must be in receipt of a high rate benefit like DLA or PIP to apply for bad credit car finance.

What our customers think…

Scott Royle
Scott Royle
20:54 22 Feb 19
Really happy with my car and great service car delivered by a really nice bloke and everything felt very personal
Gayle Eaton
Gayle Eaton
12:33 01 Aug 17
Very good service very happy
kim summers
kim summers
13:30 13 Jun 19
Received my new car yesterday..... delivered all the way to Hull..... the gentleman who delivered it was very polite.....A big shout to David for all the hard work and patience finding me a nice car...... I am absolutely thrilled with it........ I would thoroughly recommend this company to anyone, David was very friendly and was helpful through the whole process from beginning to end and would hesitate to recommend this company to my family and friends, thank you 😊
Mark Dean
Mark Dean
20:20 03 Mar 21
I had bad credit through a divorce this company took the challenge and came up with the car I wanted at the price that was well in My budget.The agent Dave was more of a mate then advisor was gen down to earth and honest and did his best not just 9~5 good service would use again and reccomend to excellent
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