Bad Credit
Car Finance

Car Loans | CarFinance 247
Get a quote
No impact on your credit score
Rates from 19.9% APR. Representative 29.9% APR
Car Loans | CarFinance 247
Trustpilot logo
Trustpilot 4 Half Stars
4.6 out of 5

Representative example: borrowing £6,500 over 5 years with a representative APR of 29.9%, an annual interest rate of 29.9% (Fixed) and a deposit of £0.00, the amount payable would be £196.34 per month, with a total cost of credit of £5,280.14 and a total amount payable of £11,780.14.

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?

We know that credit scores come in all shapes and sizes. If you've had CCJs, an IVA, mortgage arrears, or late payments, your credit score could be less than perfect.

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

We may be able to help you find bad credit car finance - even if you've been refused elsewhere!

There's no judgement here. We'll try our best to find a poor credit car finance deal that's right for you, 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 difficult to get a car loan. That's because lenders have no way of knowing how good a borrower you'll be. Don't worry; we could still be able to help find you bad credit car finance. Get in touch to find out more - you may even be eligible for a guarantor loan.

What if I don't have a deposit?

No deposit, no problem. We work with a panel of lenders and some of those lenders do offer 0% deposit car finance options.

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 work to get the right bad credit car finance deal for you.

With our panel of lenders, we can look to find car loans for people with good credit, bad credit, and somewhere-in-between credit.

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

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

It 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 130,000 used cars ready and waiting to find a home. Found a car somewhere else? We can still help - just let your account manager know.

We have motorbike finance and van finance available too - get in touch to find out more!

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

What will I need to provide?

We work with a panel of lenders - including some that 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 poor 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

There are many finance options out there for customers with bad credit. We work with a number of lenders that specialise in helping those with poor credit to get car finance, so you could be driving away in a matter of days. We look at each application we receive individually to make sure that we're looking for a finance option that suits you. As we mentioned, it's not always a case of having a history of missed payments that can cause a low credit score. Perhaps you're buying your first car and you've never taken out any form of finance before? Nevertheless, there may still be car finance options for you and we'd love to help you to get behind the wheel.

Yes, there are many lenders out there that can help customers with bad credit to get car finance, and we do work with a number of them. All finance providers have different lending criteria that they need applicants to meet and that's where we come in. It's more than just your credit score we look at. We look at your individual circumstances to see what finance options are available for you, matching you to one that suits your needs.

Read more

Ready to start?

Applying with us only takes a couple of minutes and won't affect your credit score

Get in touch

Contact us

* 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.

This site uses cookies so that we can provide you with the best user experience. By continuing to use the site you are consenting for cookies to be used. Further information on cookies and how you can disable them is available on our cookie policy.