Bad credit car finance

silver golf car

Buy from any

reputable dealer

  • CCJs, defaults, arrears?
  • All circumstances considered
  • Representative 35.0% APR
Best available rate
Total repayment
Total cost of credit

Best available rate

Total repayment

Total cost of credit

Representative example:

Borrowing £7,500 over 4 years with a representative APR of 35.0%, an annual interest rate of 35.0% (Fixed) and a deposit of £0.00, the amount payable would be £271.74 per month, with a total cost of credit of £5,543.71 and a total amount payable of £13,043.71.

Rates may differ as they are dependent on individual circumstances. Subject to status.

We compare products from 16 of the UK's top lenders to get you the best deal.

Bad Credit Car Finance

Don't worry! With CarFinance 247 this isn't necessarily a problem – we are sympathetic to people requiring bad credit car finance. We endeavour to supply affordable car finance regardless of past credit history. Whether you've had CCJs, mortgage arrears, other payment defaults, if you're self-employed, been refused elsewhere or even if you have NO credit history at all, we'll search our panel of lenders to try to find the most appropriate finance option for you.

We can also try to help you if you are in a debt management plan or an IVA.

Credit to suit you

There could be numerous reasons why you may have been previously refused car finance, so we search for the most suitable deal from our large panel of lenders to suit your specific circumstances. We even offer help, guidance and advice on how to repair your credit rating.

Why not benefit from our no hassle service today? Once approved, our experienced finance advisors are on hand to guide you through every step of the process. And remember, in most cases, no deposit is required

  • Simply choose a vehicle from any reputable dealer
  • Agree your monthly repayments
  • Sign the relevant paperwork
  • Collect your vehicle and enjoy!

To help protect you, we also offer optional warranties and GAP insurance. These are optional products that we offer at competitive prices, so if you're interested please ask your customer service specialist.

Bad credit car finance specialists

Our customers who have been refused credit elsewhere will find that this may not always be an obstacle for CarFinance 247. We're understanding of all financial and credit circumstances, and will always try to secure you with the most suitable and appropriate car loan option. Our advisors are friendly and approachable, and we understand that everybody's credit rating is different. Rates offered are dependent upon your credit history.

Get your FREE credit report from UkCreditCheck!

Genuine understanding

We know how easy it is to become downcast when you've been refused car finance due to bad credit. Often this situation occurs through no fault of your own. You may be self-employed and so have no proof of income, or you may have no credit history at all. Often you may have simply been a little bit late paying bills.

At CarFinance 247, we aim to overcome these so-called problems and to help you to find car finance that suits your individual cirumstances.

Apply for your car finance today

These customers are real CarFinance 247 customers. They were invited to become a celebrity for a day, taking part in photoshoots and telling us all about their CarFinance 247 experience, and they were paid for doing so.