Poor credit car finance

Have you got poor credit and are looking for car finance?

If you are looking for car finance but have a poor credit history or have been refused credit in the past , then the good news is that at Car Finance 247, we are specialists in getting guaranteed finance.

No matter what your financial circumstances, we can help - whether you have had mortgage arrears, CCJ’s or other payment defaults. Perhaps you are self-employed? Or maybe you have no credit history at all?

This is not a problem.

At Car Finance 247, we are sympathetic to people who have experienced financial difficulties or are unable to get a loan for one reason or another.

Even if you are in debt management or have IVA’s, we can still help. We believe that past financial difficulties shouldn’t hold you back in terms of getting what you want. We also believe that just because you have a poor credit rating that you shouldn’t have to pay over the odds if you are accepted for car finance.

We have built up special relationships with all the car finance providers who specialise in loans for those with poor credit, and can match you and your unique circumstances to the most suitable lender. This means you stand the best chance of getting accepted for a loan – and at a cost attractive price!

And with over 90% of all our bad credit car loan applications being approved, you can feel confident that guaranteed car finance is within your reach.

How to get car finance with a poor credit history

Some people mistakenly believe that if they apply for lots of loans at the same time, they are bound to get accepted for one. This is a misconception however and could actually damage your credit rating further.

Every time you apply for a loan, a note is put on your credit file. When deciding whether to approve you for any type of credit, what is on your credit file in terms of your financial commitments, current status and financial history, is one of the major considerations of a lender.

Lots of applications suggests that you are financially desperate, which will make a lender more likely to refuse your application.

That is why it makes sense to use a specialist such as ourselves.

Our service is free to use and takes all the hassle and worry out of applying for a loan. Once your application is accepted, we even handle all the administrative side of things too – the hardest thing you have to do is choose your car!

Here is how our service works:

  • simply fill in the short online form, or give us a call;
  • you will then be assigned a dedicated account executive who will get in touch with you and discuss your application;
  • a decision will then be made and if your application is approved, the amount you can borrow, repayment terms etc will be discussed;
  • now for the exciting bit! You then go off and find the vehicle you want, from any dealer nationwide;
  • once you’ve found your dream car, give us all the details and we’ll do the rest!
  • you’ll receive some paperwork to sign and return to us. Once we have these, the loan monies will then be released;
  • you can collect your new car - it couldn’t be simpler!

You can exchange your car if you have one or alternatively we can offer no deposit options as well, so please talk to your account executive about these if you are interested.

Here to help

Car Finance 247 we are here to help. We pride ourselves on offering a first class service in terms of the products we offer you and a friendly, yet professional, customer service.

We are here to make sure the whole process goes as smoothly as possible. We will guide you through the whole application process right through to when you collect your car.

We also offer a number of products to help protect you and your vehicle, such as optional Warranties and GAP insurance. (Please speck to your account executive about these if you are interested).

We even offer advice on how to repair your credit rating so you will not be turned down for credit in the future.

Order a FREE copy of your credit report from Experian

Why use Car Finance 247?

Unlike some other car finance providers, we are not tied to any one particular lender. This means we have access to some excellent finance deals for poor credit customers and can choose the one that is most suitable for you in terms of your financial status and your budget.

We are specialists in finding the car funding solution that is most appropriate for you, quickly and simply.

So why apply for your car finance today? Our service is free and there is no-obligation.

Apply for a great car credit deal today!