Direct Car Credit

Direct Car Credit: car finance and used vehicle sales in Dewsbury

Direct Car Credit is the trading name of Yorkshire Sports & Prestige Limited, a company registered in England and Wales (company number 09166838) and authorised and regulated by the Financial Conduct Authority under FCA number 736546. The business operates from 135 Huddersfield Road in Dewsbury, West Yorkshire, and combines the sale of used cars and vans with the arrangement of vehicle finance. Its own presentation describes it as a credit broker rather than a lender: it works with a panel of selected credit providers and receives commission from the lender it introduces, either as a fixed fee or a fixed percentage of the amount borrowed.

Finance for good and bad credit

The company addresses both customers with a clean credit history and those with adverse credit. Its messaging is built around the idea that a damaged credit rating should not prevent someone from buying a car for work, the school run or personal use. Applications are handled online through a form the site describes as taking around 60 seconds, and the stated aim is to give a decision within the hour in most cases. The material also mentions £0 deposit options and welcomes self-employed applicants. The representative APR quoted across the site is 12.9%, and all finance is subject to status and income, with applicants required to be 18 or over.

Stated eligibility criteria

• UK resident for at least three years.
• Full UK driving licence, or a provisional licence held for less than three years.
• Not living on barracks.
• Income or benefits above £1,000 per month, paid into a UK bank account.
• Two consecutive payslips if required, or three consecutive bank statements for the self-employed.
• Not in an active bankruptcy or debt relief order.

Benefits are treated as income for the purposes of an application, which the company presents as a difference from some lenders. The lender panel is described as specialising in this field.

How the purchase process is presented

The site sets out a four-stage route: an online application from any device, an approval decision usually within the hour, selection of a vehicle from stock, and collection of the keys. Beyond finance, the company accepts part exchange, including cars that are currently on finance, and states that this usually reduces the monthly payment. It also buys cars outright through a dedicated section of the site.

Vehicle stock and brands

Direct Car Credit sells cars from most leading manufacturers, among them Audi, BMW, Citroen, Fiat, Ford, Honda, Hyundai, Jaguar, Kia, Mazda, Mini, Nissan, Peugeot, Renault, Seat, Skoda, Toyota, Vauxhall and Volkswagen. The inventory is presented as broad in age and mileage, covering petrol and diesel, automatic and manual, and body styles that include MPVs, saloons, estates, crossovers and prestige models. New stock is described as arriving daily, and a search tool allows filtering by make, model and body style. A separate section is dedicated to vans.

Warranty and after-sales cover

Every car is sold with a free comprehensive three-month warranty and breakdown service, which the company says can be extended up to two years. A claims line is available for help and advice if problems arise. The business frames this as part of a longer relationship, expressing the intention of seeing customers again when they next change vehicle.

Company details and regulatory status

Yorkshire Sports & Prestige Limited trades as Direct Car Credit and is registered with the Information Commissioner's Office under registration number ZA364756. VAT number 194276673. The company states that it acts as a credit broker, not a lender, and that a written quotation is available on request. Its registered office is given as Network House, Stubs Beck Lane, West 26 Industrial Estate, Cleckheaton, England, BD19 4TT.

Customer feedback shown on the site

The site displays a Trustpilot reference alongside a series of short customer comments. These mention individual staff members by name and describe help through the finance process, collection experiences and test drives. They are individual accounts rather than a verified summary of the company's overall performance.