Bad Credit
Car Finance

Car Loans | CarFinance 247
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No impact on your credit score
Rates from 19.9% APR. Representative 27.9% APR
Car Loans | CarFinance 247
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Representative example: borrowing £6,500 over 5 years with a representative APR of 27.9%, an annual interest rate of 27.9% (Fixed) and a deposit of £0.00, the amount payable would be £190.26 per month, with a total cost of credit of £4,915.46 and a total amount payable of £11,415.46.

We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way.

Can I get car finance with bad credit?

Yes! The good news is that we might be able to help you find bad credit car finance – even if you’ve been refused elsewhere.

At CarFinance 247, we know that credit scores come in all shapes and sizes. If you’ve had CCJs, an IVA, mortgage arrears or missed payments in the past, your credit score could be less than perfect.

But that doesn’t mean you have to give up on getting car finance.

There’s no judgement here. We’ll work to find you the best poor credit car finance deal from our panel of lenders, whatever your circumstances or credit history.

Can I get car finance with no credit history?

If you’ve never borrowed before and have no credit history, it could be tough to get a car loan. That’s because lenders have no way of knowing what kind of borrower you’ll be. Don’t worry; we could still help you secure bad credit car finance. Get a quote to find out more.

Why come to us for bad credit car finance?

For us, used car finance is all about helping people improve their everyday lives.

Whether it’s sorting out the school run, getting that big boot for the big shop, or a car you’re proud to park outside the office, we’ll work to find you the best deal from our panel of lenders.

Plus, you’ll have a dedicated account manager on hand to help guide you through the process.

What's next? How to apply for bad credit car finance

It all starts with a quote. If you’re approved in principle, your account manager will give you a call to talk through your options. No strings attached. They can answer any questions you have and grant you access to our car search – a treasure trove of over 120,000 used cars ready and waiting to find a home. Found a car elsewhere? We can still help – just let your account manager know.

Wondering how much you might pay? Use our car finance calculator to get an estimate of your potential monthly repayments.

How to improve a bad credit score

The best thing about credit scores is that the aren’t fixed; you can take steps to improve your score over time. Keep in mind though that it isn’t an exact science and each credit reference agency (the UK has three) uses a different algorithm to calculate your score.

5 ways to boost your credit score:

  • Pay your bills on time
  • Check for mistakes on your credit report
  • Don’t use all your available credit
  • Don’t make lots of applications at the same time
  • Get on the electoral roll

What paperwork will I need to provide?

We work with a panel of lenders – including some that can offer poor credit car loan options – and the documents they need can vary.

We’ll probably ask for:

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

Self-employed with bad credit? This doesn’t have to be a deal-breaker. We also work with lenders that can, subject to approval, help people in your situation get a car loan.

Frequently asked questions

The short answer is yes, you can get a car on finance with bad credit. Here at CarFinance 247, we work with a panel of lenders and some of them can help people with bad credit secure car finance. We look at every application individually to find a finance option that’s right for you. And it’s not all about your credit score either; the lenders we work with take a range of factors into account when making their decisions.  


Yes, there are several lenders on our panel that can help customers with bad credit get car finance. Each lender has different criteria that they need applicants to meet and it’s often about more than just your credit score. We look at your individual circumstances to find out which finance options are available to you and match you with the one that best suits your needs.


No deposit, no problem! We work with a panel of lenders and some do offer car finance options with no deposit – even if you have bad credit.


Get a decision in minutes. Make an application, pop the kettle on, and you’ll have a decision by the time you’ve finished your tea. If we’ve found you an approval in principle, your dedicated account manager will give you a call to confirm your details and discuss the next steps.


It all starts with a quote. As soon as we’ve received your application, we’ll look to find you the best deal from our panel of lenders. If we’re able to find you an approval in principle, your account manager will give you a call to discuss the next steps. They’ll guide you through the process, take care of all the admin, and even negotiate with the dealer on your behalf.

You can choose a car from any reputable dealer or check out our car search – home to over 120,000 used cars. We’ll then carry out all the checks, chase the lender and make sure the dealer is kept in the loop so you can just sign on the dotted line and drive away.


There’s no such thing as guaranteed car finance. There are a range of factors that determine whether you’ll be approved for car finance and every loan offer is subject to circumstances. We work with a panel of lenders and, while we can look for loans for customers with a variety of different credit profiles, we can’t offer guaranteed car finance. It you’ve found a car finance company that says they can guarantee car finance – especially if you have bad credit – we’d advise treading carefully.


There’s no set credit score that will guarantee you’ll be approved for car finance. But that doesn’t mean you should give up on finding finance if your score could do with some work. In fact, at CarFinance 247, we’ll look to find you the best deal from our panel of lenders, whether you have excellent, good, fair, or bad credit. We might even be able to help if you’ve had a CCJ, defaults, been in an IVA or refused elsewhere.


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* The UK's number one online car finance broker by unique users to the website. Based on Hitwise data – 1,746,657 to CarFinance 247 vs. 666,020 for nearest competitor. January to December 2019.

96% of our customers recommend us: † Based on feedback left on independent review site Reviewcentre. May 2019.

CarFinance 247 is a trading name of CarFinance 247 Limited. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. (Registration Number 06035525).

CarFinance 247 is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 653019). CarFinance 247 is registered with the ICO (Registration Number Z1897658).

Finance is subject to status and is only available to UK residents aged 18 and over. Written quotations are available on request.

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