Bad Credit Car Finance

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We could help you get car finance, even if you:

Have no deposit

Are in an IVA/DMP

Have a CCJ

Have previously been declared bankrupt

Don’t Let Bad Credit Be a Barrier to Affordable Car Finance

When you’re applying for a loan and you have bad credit, some companies can make you feel not quite good enough. You’ll waste hours of your time filling out online application forms only to reach the end and receive the news that you were expecting all along… You’ve not met the criteria and you’ve been refused car finance. Now is probably the time to look for car finance with poor credit.

You can’t help but feel defined by your past, but that’s not what we are here to do. We are not here to judge, we want to help you in the here and now and in the future.

You may have missed payments in a prior finance agreement, recently gone through a bankruptcy order/IVA or have county court judgements (CCJs) against you. It could be that you’re in a debt plan. It may be that you’re simply self-employed! Regardless, many providers can help you get on the road with your new vehicle and a bad credit car loan. Make sure any provider you use is authorised and regulated by the Financial Conduct Authority.

So if you’ve been refused car finance in the past, rest assured that all is not lost. With the right help, you could be driving away in your new car in next to no time.

What is Bad Credit Car Finance?

Car finance for bad credit is essentially the same as any other type of car finance. The only difference being, it’s designed for people with bad credit. We believe that buying a car should be easy and accessible for all, no matter what your credit score is.

You don’t need to have a bad credit score to know how difficult it can be to get the funds together to pay for a new car. Fortunately there are a whole host of options available to people who have limited funds and a poor credit score. Even with no deposit. The most common types of car finance are hire purchase or car leasing. We work with multiple lenders so you can get on the road faster. Even if you have missed payments or have defaulted in your credit history, we believe that you should still be able to find car finance at the best rate possible.

Did you know…

That it’s very difficult to predict whether your application for bad credit car finance will be accepted purely on the basis of looking at your credit score? You might not believe us but it’s true. Lenders can only use it as a ‘behavioural prediction’. In other words, to predict your future behaviour based on your past behaviour. But we understand that everyone has a past and everyone has made slip-ups now and then. However we don’t think it should dictate your future. Your credit score is more than just a number, it doesn’t define you and it shouldn’t hold you back, which is what we are here to help with.

There’s also a lot of confusion about getting car finance with no credit history too. Some people have never borrowed anything, hoping that it’s a good thing but that doesn’t help show potential lenders your ability to pay back borrowings.

If you’re unsure about your credit rating or what your credit score might be, you can find out for free at

Many providers have extensive experience in helping provide people find bad credit car finance. The most frequent type of car finance is a hire purchase (HP) agreement. With a HP agreement you own the car once you’ve made all of your monthly payments.

Providing You with Bad Credit Car Finance

There are many providers who are experts in arranging bad credit car finance. They understand that everyone’s credit profile is different, which we believes makes a real difference. Once you’ve applied, many providers will find the best bad credit car finance deals for your budget.

Don’t Be Held Back by Bad Credit

The words bad credit and car finance usually do not go together in the same sentence. However, we are aiming to change the illusion that if you’ve got a record of bad credit, it will hold you back from applying for things like car finance. There are bad credit car loan options available that provide most people with bad credit access to car finance. Because we don’t believe that your past should stop you finding car finance, we take the hassle away so that you can drive away happy and enjoy your new car.


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Hire Purchase Car Finance
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Bad Credit Car Leasing