Answer
Concept are a sub-prime car finance company. if buying from a dealer and your credit is ok, try using mainstream car finance house from dealer (black horse, capital bank, northridge etc) - the rates will vary from dealer to dealer, but they can offer you more than just a loan. for example you have much more rights under a hire purchase agreement than a loan (for example handing the car back if there is a fault etc).if you can avoid using concept or any other sub-prime company, strongly recommend that you do as the reason they can offer finance to those with poor credit history is by charging higher rates to eone else
