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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, Socialmotors.uk 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.