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Do I need a credit check to get car finance?

Are you looking to finance a new car but are concerned as to whether your application will get accepted? Have you got CCJ’s or are you in a debt management plan? Have you previously been refused car credit or have a poor credit history and don’t think you will be able to get a car loan? If this is the case, then you may be looking for ‘no credit check car finance’.

The good news is that at Carfinance247, we can help. We understand that sometimes life gets challenging financially and that you can get into difficulties. But what happened in the past stays in the past, and we don’t believe that you should be penalised now for what happened then, with a lack of financial products and opportunities.

While credit checks are necessary, that shouldn’t worry you. We have high acceptance rates and fantastic relationships with lenders that are specialised towards poor credit. This means we stand a good chance of finding you a great deal.

Over the years, we have helped thousands of people just like you find a finance deal, whatever their circumstances or credit history. People with defaults and bad credit who have been refused by other providers have come to us and have been approved for car finance - and not at extortionate rates.

What we do

We are an independent online car finance specialist, meaning we have access to a large panel of lenders. When you apply for car finance using our service, we will match you to the most suitable and cost-effective deal out of all the products available.

This saves you time - as we will only show you the deals that you are most likely to be accepted on – and money, as we will find the most attractive monthly repayment.

We provide vehicle financing solutions for new and used cars such as personal contract purchase and hire purchase.

No deposit is required and you can buy the vehicle of your choice from any reputable dealer nationwide.

Why use us?

Sadly, many people looking for car finance make the mistake of applying for several loans all at once from different providers. This means even people with a perfect credit history could find themselves refused finance.

This is because loan providers have different lending criteria, so while you may not meet the requirements set by one loan company, typically there will be another company out there whose criteria you will meet.

Simply applying for several car loans at once in the hope that one of your applications will be accepted may also affect your chances of getting credit in the future. This is because every application will show up on your credit file (which is the reference point for most lenders to see your current and past financial status). Lots of applications will suggest financial desperation, which could set alarm bells ringing for any potential lender.

That is why using the services of a specialist such as ourselves makes perfect sense.

How does it work?

Simply fill in the short form online, or give us a call and we can give you a decision in minutes.

Once your loan application has been accepted, you can discuss your options with your very own dedicated finance advisor.

You can then go off and find the car you want and all we need to know in return are the dealer details, registration number plate and mileage. We will then do the rest and send you the necessary paperwork to complete. Once the paperwork has been returned to us and checked, and the funds released, you can collect your shiny new vehicle and hit the open road!

It couldn’t be simpler!

So, if the thought of ‘no credit check car finance’ has been playing on your mind and stopping you apply for a car loan, then worry no more – why not use our simple service today to find car finance?

Apply for car finance today

Representative 25.8% APR

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