Welcome to DrivePay

We've helped thousands of customers get back on their feet and in the driver's seat. No matter your credit score as long as you can afford the payments we can finance you!

What to expect

With Universal Car Credit, it's personal... From the time you walk into one of our showrooms, we'll treat you with respect, and work hard to get you the car and financing you need. We focus on your specific, personal situation and needs.

How does DrivePay work?

Step 1:
Your appointment begins with a conversation! We give you an overview of who we are and how we might be able to help you.

Step 2:
Then, we get to know YOU, gathering information about your situation and budget needs: What kind of transportation do you need? What kind of payment can you afford?

Our top concern is that you are able to afford your vehicle. After all, if you can't make your payment, nobody wins.

Step 3:
Next, you meet with a customer service representative and we work hard to help get you approved. We are committed to providing you a car you can afford.

If we don't have a vehicle that fits your transportation and budget needs, we keep looking or give you information on what you'll need to do in order to qualify for a good car and financing.

Step 4:
Once you qualify, you can test-drive the vehicles that fit your needs and budget. Many of our customers are able to drive away the same day if the vehicle has been fully prepared.

The Reconditioning Process

Car Reconditioning For Even Better Used Cars

  • Every vehicle undergoes a comprehensive used car inspection.
  • Then, we put each vehicle through an extensive reconditioning process, averaging more than £650 parts and labour during our used car reconditioning.
  • Work in our Service Departments is performed by trained, skilled technicians.
  • In addition, all cars are HPI Checked for complete peace of mind.

Comprehensive Inspections

  • We buy only the best used vehicles.
  • Our comprehensive inspection covers up all the major parts.
  • On average, we put over £650 in parts and labour into the reconditioning process.


Click here to view our latest customer testimonials.