Bad credit car finance

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  • 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

If you’ve missed payments or struggled with debts in the past, you may have a bad credit score; and if you’re looking for car finance, you could well be worrying about your chance of getting approved.

That’s where we step in.

What is bad credit car finance?

We understand that it isn’t always easy to maintain a perfect credit score, and so make it our job to have car finance options available for customers with a range of credit histories, including by offering bad credit loans.

We work with a number of lenders that specialise in helping those with poor credit to get car finance, and you could be driving away in a matter of days!

If you’ve had CCJs, mortgage arrears or late payments, you don’t need to assume that your dream of buying a new vehicle is over. Perhaps you’ve been in a debt management plan or an IVA and need car finance. Again, you might find that we have a finance option that suits you.

Been refused car finance elsewhere? This doesn’t mean we won’t be able to help and we’ll certainly try our best to find a car finance deal tailored to your needs.

If you know you’ve got bad credit but don’t understand why, you might want to check your credit report to make sure that all information on there is accurate and up to date. One thing to bear in mind is that if you’ve not had any form of finance before, you may be classed as having bad credit. This is because with no borrowing to your name, prospective lenders don’t have any information as to the likelihood of you repaying any finance or loan that they may be able to offer you, and so can see that as a risk.

We’re not here to judge – we’re here to help you drive away in your next vehicle. We’ve helped many customers in similar situations to get car finance with bad credit, and in fact, keeping up with repayments on your bad credit car loan could help you to rebuild your credit score, opening up more finance options to you in the future!

How we could help

At CarFinance 247, we want to match each and every customer to the most appropriate finance option for them, and although you may have bad credit history, it’s more than just your credit score we look at.

We get to know you. We work out which finance option would be most suitable for you, taking into account your preferred loan period and making sure the proposed monthly repayments are affordable and within budget. We have no deposit car finance options available too!

We obviously can’t guarantee approval as we do need to assess every application individually but through searching our large panel of lenders, we’d work hard to try to find a poor credit car loan deal that suits your individual circumstances. 

Once we’ve approved an application, we can give out a no obligation quote for a car loan. This will be tailored to your individual circumstances and you’ll always have somebody on hand to help you if you have any questions. You’ll have your own personal advisor on hand throughout who will be there to chat, call or text if you need any assistance at all.

If you’d like to get an estimate of repayments, take a look at our handy car finance calculator tool.

What we need from you

A number of our lenders specialise in providing poor credit car loan options, and the documents that they need from you can vary. As a minimum, we’d need:

  • Proof of licence
  • Proof of address
  • Proof of income

If you’re self-employed, you may worry that the combination of this and having bad credit may mean that you can’t get approved for car finance. This doesn’t have to be the case, however, and we do have lenders that can help people that are self-employed with bad credit to get a car loan, subject to approval.

We can help customers from throughout the UK with car finance, and if you have less than 3 years’ address history, we also have finance options available that may suit you.

Once you’re approved, it’s time for the fun bit! You can choose your vehicle from any reputable UK dealership and we’ll give you access to our exclusive car search which is there to help you to find the perfect vehicle for you! It isn’t just car finance we offer either. We have motorbike finance and van loans available too. 

Applying for bad credit car finance takes a matter of minutes, and if approved, you could be driving away in days! Apply now

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.