Direct Car Credit - The Car Finance Specialists Reviews 

338
TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Looking at 178 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the dedicated staff for being incredibly helpful, polite, and professional when guiding them through every single detail of the vehicle purchase process. Consumers note that the team consistently goes above and beyond to secure great finance deals, making the entire journey smooth and stress-free even for individuals with poor credit history. Some reviewers were not happy with unexpected mechanical issues, faulty parts, and cars being delivered in less than optimal condition. Additionally, people mentioned experiencing frustrating after-sales support and significant delays when trying to get necessary vehicle repairs sorted out properly.

What people talk about most

Staff

Clients share positive opinions on staff, noting that the team is extremely friendly, helpful, and... See more

Service

Reviewers highlight positive aspects of service, noting that the entire process from finance to vehicle... See more

Product

Users describe ambiguous interactions with product, reflecting sharply divided experiences. Many consumers... See more

Customer service

Customers report overwhelmingly positive experiences with customer service, highlighting seamless... See more

Quality

Customers consistently note ambiguous experiences with quality, reflecting a high level of disagreement. On... See more

Reviews shaping this summary

Rated 5 out of 5 stars

What company they were so helpful they made experience easy with contact & support all the way to end of deal. Also went above & beyond because of work my commitments they delivery my car choice str... See more

Rated 5 out of 5 stars

Zara made this experience great! She's very professional and a lovely person! She answers my questions no matter what & i would recommend her to any company! I like to know things about my car... See more

Rated 5 out of 5 stars

The people were really helpfull and fast on securing finance that was available for me despite my verry bad credit rating. The vehicle i have has been verry well presented and somw maintenance was don... See more

Rated 5 out of 5 stars

Looked into getting a car then my partner was taken ill nearly loseing her life .the staff couldn't do enough by giving me time texting me not calling .my sales man was Jatinder .a true gentleman and... See more


Company details

  1. Car Finance and Loan Company
  2. Car Dealer
  3. Finance Broker
  4. Motor Vehicle Dealer
  5. Used Car Dealer

Written by the company

At Direct Car Credit, we specialize in getting finance in place for everyone. We cater for all!! Even if you have struggled to get finance in place elsewhere! We have an extensive panel of lenders that will approve even if - Bad Credit ✅ Good Credit ✅ CCJ ✅ Self Employed ✅ Benefits ✅ Arrears ✅ IVA ✅ Apply with us today and we will do the rest!! We are a family run business with over 20 years experience in Car Sales/Finance, we are trusted partners with over 30 finance companies, and a one stop shop for your next car purchase and finance package. What you waiting for APPLY TODAY!!


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

338 reviews

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4.7

All reviews

(338)

177 reviews in the last 12 months

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Rated 5 out of 5 stars

The best car buying experience

Kym was lovely,and very helpful,and so careing to make sure i was at ease with every thing going forward,and he was so helpful in making sure i was well informed about the car,highly recommend the car sales to any one.

September 17, 2025
Rated 5 out of 5 stars

Hi Richard has dealt with me from the…

Hi Richard has dealt with me from the start. Great bloke knows his stuff. Put my mind at ease with a lot of things which made my life plane sailing with paperwork. Allways on the end of the phone if needed. Kept me up to date with my vehicle! Was set for a date he kept his word and had my vehicle sparkling ready to go for me. Very pleasant bloke with good communication. Also a good laugh. Sorted me right out with a car that I needed with a young family up to a superb standard! I will be back!! I will personally say to anyone pick up the phone and ring you won’t be disappointed.

Cheers Richard I’m more than happy with my vehicle and the way I’ve been treated as a customer.
Jack

September 16, 2025
Unprompted review
Rated 5 out of 5 stars

Great customer service

Very helpful in making buying my first car an enjoyable and stress free experience. Car is in great condition and any information I needed to know or questions I had was all explained then and there.

September 3, 2025
Rated 5 out of 5 stars

Richard was so helpful and polite

Richard was so helpful and polite. He helped me sort the app out before coming to the dealership. Talked me through everything step by step. And on the day did amazing job to get me on the road quick. I was really impressed with how organised Richard was and had everything ready for me when I turned up. It was nice to have someone who was so positive and showed me around the car and showed me all the extras that was given

September 13, 2025
Rated 1 out of 5 stars

AVOID AT ALL COSTS

I’m writing this in the hope it saves at least one person from going through what we did.

This company targets vulnerable people who are desperate for a car. Their cars are overpriced, often with high mileage for the age,
and seem to be sourced from auctions. But because they offer finance to a variety of people, many people overlook the red flags.

We spoke to a guy called Mark, who never mentioned the £99 admin fee or just how deeply scratched the car actually was. He described it as "usual wear and tear" that was a massive understatement.

We travelled 1.5 hours to view the car. When we arrived, the receptionist was cold and unwelcoming, and Mark was apparently "with another client." While waiting, we overheard another major customer complaint being handled, which should have been a warning sign. Along with the receptionist handling loads of calls with complaints and issues.

A colleague named Richard showed us the car. The rear panel above the wheel arch was popped out, and he just hit it back into place and said it was normal. The car also had clear damage down the side, again brushed off as minor.

We noticed the MOT had passed with no advisories, yet we were told there was a sensor issue and they were "waiting on a part" when we called to ask if the car was ready. When questioned this when we arrived, we were told they had a "deal" with the garage across the road to pass MOTs and finish the work after. Extremely concerning!!

Despite all this, we (stupidly) went ahead, paid the admin fee and deposit, changed the insurance, tax, and car ownership of our current car, and left in the new car. Five minutes down the road, the reverse gear started grinding and jumping... even someone at the petrol station said it sounded like a gearbox issue.

We went back immediately. Richard first insisted the gear was fine, but eventually admitted the gearbox joint had dried out and needed fixing. We were left waiting for over three hours, being told “10 more minutes” over and over. No real updates, just lies.

Eventually, we gave up, cancelled the finance, and took our original car back. Richard disappeared and left us to deal with someone else ... no apology, no accountability.

We’re now out of pocket for fuel, admin fees, insurance changes, and lost a whole day. I missed work and was late taking important medication. But I will sleep well tonight knowing I didn't come home with a potential dangerous over priced pile of tin!

This was a stressful, dishonest, and exhausting experience.
Please, avoid this company at all costs.

September 11, 2025
Unprompted review
Rated 5 out of 5 stars

This was by far the best service I’ve…

This was by far the best service I’ve ever received when buying a new car or van. Richard was fantastic he spent so much time getting everything in place for me and was always available. Even after I had left he has been in-touch and made sure I was happy. I couldn’t ask for anymore from him

September 3, 2025
Unprompted review
Rated 5 out of 5 stars

Fantastic service

Hiya from the first call to the last call I carnt fault this company,I have always been knocked back for a car but Richard went all out to get me one and I didnt belive it had happened till I was there picking car and signing form would defo recommend direct car credit thank u again xxx

September 9, 2025
Unprompted review
Rated 3 out of 5 stars

All was good but..

All was good but car didn’t get cleaned very well, was told was waiting on parcel shelf and would be ready when the car was ready and still not received it even though it had taken about 2 weeks to get the car ready, service was good from Kym, had the car since Friday 5th September and first went to test drive on the 4th september and I have just received a speeding ticket from the 3rd of September which I am not happy about and had to put in direct car credit details hoping this gets sorted, as a company you shouldn’t be speeding in cars and should be driving on dealer plates not the own cars plates to avoid this issue

September 4, 2025
Rated 5 out of 5 stars

First time using this company

First time using this company, so easy to work with, helped in anyway they could always on hand to answer any questions or send pictures, car got delivered on the day I wanted,

September 1, 2025
Rated 5 out of 5 stars

Came back for my second car!

Came in to just look around, it was my second time getting a car from them, Richard was unbelievably helpful with getting my previous car sorted and finding me my perfect car! Nothing was too much! Will definitely return!

August 21, 2025
Unprompted review
Rated 5 out of 5 stars

Hassle Free, Exceptional Service

This is the second time using Richard at Direct. Because of his understanding, knowledge and excellent customer service. Within a few phone calls again I got the car I have always wanted without any stress and cliche sales pitches. He really does listen and gets the best for his customers. No doubt I will be back for my 3rd. Thank You Richard.

August 16, 2025
Unprompted review
Rated 1 out of 5 stars

Worst car company ive ever been with

Worst car company ive ever been with. Sold me a car with a headgasket on the way out and then trys to phob me off saying theres nothing wrong with it. Then finally they get the work done which took nearly 4weeks i get my car back bearing in mind ive had to drive 1hr 30mins to collect the car, i get it back in a horrible state. All the front inner wheel arch is haning off and caught the wheel which has ripped a chunk of plastic out of my front bumper. Wouldn't by a push bike of these cowboys

August 16, 2025
Unprompted review

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