Bad credit car finance

silver golf car

Buy your car

from any dealer

  • CCJs, defaults, arrears?
  • All circumstances considered
  • Representative 27.4% APR
Best available rate
Total repayment
Total cost of credit

Best available rate

Total repayment

Total cost of credit

We compare products from 18 of the UK's top lenders to get you the best deal.


Representative example. Excellent Credit

Borrowing £7,500 over 48 months with a representative APR of 16.8%, an annual interest rate of 16.8% and a deposit of £0.00, the amount payable would be: £211.25 a month, with a total cost of credit of £2,640 and a total amount payable of £10,140.

CarFinance 247 is a broker and not a lender

Bad Credit Car Finance

Don't worry! With CarFinance 247 this isn't 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 or even if you have NO credit history at all, we do not consider these valid reasons for you to be refused car finance.

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 great products that we offer at competitive prices, so if you're interested please ask your finance advisor.

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 won't let financial problems in your past get in the way of you securing car finance with bad credit. Our advisors are friendly and approachable, and we understand that everybody's credit rating is different. Rates offered are dependent upon your credit score.

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 can overcome these so-called problems and help find you a great deal.

Apply for your car finance today

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