Bad Credit
Car Financing

Car Loans | CarFinance 247
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No impact on your credit score
Rates from 19.8% APR. Representative 32.7% APR
Car Loans | CarFinance 247
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Trustpilot 4 Half Stars
4.6 out of 5
5 years
Total cost of credit £ 2000
Total repayment £ 2000
48 monthly
payments of
£ 245 98

Representative example: borrowing £6,500 over 5 years with a representative APR of 32.7%, an annual interest rate of 32.7% (Fixed) and a deposit of £0.00, the amount payable would be £204.85 per month, with a total cost of credit of £5,791.21 and a total amount payable of £12,291.21.

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

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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 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 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?

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.


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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, a credit broker and insurance intermediary, and 247 Money Group Limited (247 Money), a lender. Both companies are part of the 247 group of companies.

CarFinance 247 is authorised and regulated by the Financial Conduct Authority under reference number: 653019. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. Company registration no. 06035525. Data Protection Registration Number Z1897658.

247 Money is authorised and regulated by the Financial Conduct Authority. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. Company registration no. 10989530. Data Protection Registration Number ZA456831.

All finance is subject to status and income. Written quotations on request. CarFinance 247 can introduce you to a limited number of finance providers, including 247Money, based upon your credit rating and will receive commission for such introductions.

† We do not charge a fee for arranging the finance, however some of our lenders may charge a fee. Your account manager can provide more information on this

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