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Do I Need a Credit Check To Get Car Finance?

Rates from 6.9% APR. Representative APR 27.4%

Trustpilot 5 stars
4.7 out of 5
5 Years
Total cost of credit £ XXX.XX
Total repayment £ XX,XX.XX
48 monthly
payments of
£ 245 98

Rates from 6.9%: the exact rate you will be offered will be based on your circumstances

Representative example: borrowing £6,500 over 5 years with a representative APR of 27.4%, an annual interest rate of 27.4% (Fixed) and a deposit of £0.00, the amount payable would be £188.74 per month, with a total cost of credit of £4,824.37 and a total amount payable of £11,324.37

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

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Do I need a credit check?

Are you looking to finance a new car but not sure you’ll be accepted? Have you got CCJs? Are you in a debt management plan?

Have you been refused car credit in the past or have a poor credit rating, and don’t fancy your chances of being accepted for a car loan?

If this is the case, you may be looking for ‘no credit check car finance’.

While credit checks are required, they shouldn’t worry you. We understand that it isn’t always easy to maintain a perfect credit history. That’s why we look at each application individually to understand just what your needs are and what finance option may be suitable for you.

We have access to lots of lenders, and many of these specialise in helping customers with bad credit to get car finance. So, if you’ve been refused finance in the past or have missed payments on your credit report, we may still be able to find a finance option that suits you.

What checks are done for car finance?

When you apply for car finance with us, we initially run a ‘soft search’ on your credit history.

This allows us to take a look into how you previously and currently manage any loans or finance, and it doesn’t leave a mark on your credit profile that other lenders can see.

We’ll talk you through any finance options we have available, and if you do choose to go ahead, it’s only then that a hard search will be carried out.

Hard searches do leave a mark on your credit report, something that would be visible to other lenders. If you’re shopping around for car finance and apply on many different sites, make sure you’re aware of any hard searches that are carried out. Lots of hard credit checks over a short period of time can be harmful when it comes to your chance of being accepted for finance.

What does a credit check involve?

A credit check is carried out so that any potential lender can understand a little bit more about you, in particular about how you manage your finances.

By carrying out a credit check on you, a lender can take a look at how you’ve managed any finance or loans in the past, getting a good understanding of your reliability or risk as a borrower.

When they run a credit check, the lender will usually take into account a variety of things, including:

  • Your age
  • Your income
  • Electoral roll information
  • Current financial outgoings and debts
  • Any missed repayments
  • Any previous applications for finance
  • The amount of finance you wish to borrow
  • The length of the finance period

This isn’t all visible on your credit profile and we gather some of this information on our application form.

No two customers are alike, so only after reviewing your individual circumstances can any lender make a decision as to whether they can lend to you.

Your credit history will also influence the rate you get offered. If you have a history of reliable borrowing, you may find you are eligible for a lower rate than somebody with missed payments on their file.

Your credit history is continually added to, so if you do have a history of missed payments or CCJs, you can work on this. Any work done on trying to improve your credit score can potentially lead to lower rates offered and open you up to more finance options in the future.

Frequently asked

Checking your credit history is simple. There are many online companies that can give you access to information regarding your credit profile. Through these you can often monitor your credit rating over time, and some even provide coaching on how to improve it. We’d always recommend customers check their credit history before applying for finance, even if it’s just to check that all of the information held about you is up to date and correct. Get a free copy of your credit report from Clearscore today.

There are lenders that can help customers with no credit history to get car finance. However, having no credit history means lenders can’t judge how likely you are to repay any loan or finance, so this can be seen as a risk. For that reason, people with no credit history are often perceived as having poor credit due to lack of information about how they handle finances. We have access to many lenders that specialise in bad credit car finance. Of course, we can’t guarantee approval – but we’ll try to match you up with the right type of lender, finding a finance option that suits you.

We have access to lots of lenders and can offer a number of vehicle finance options, including hire purchase and personal contract purchase. No deposit finance options are also available – and you can buy the vehicle of your choice from any reputable dealer. Sometimes people looking for car finance make the mistake of applying for several loans from different providers over a short period of time. If lots of hard credit checks are carried out, even people with excellent credit histories could find themselves refused finance. That’s where we come in. By working with lots of lenders, we can look to find a finance option that suits your needs.

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 own dedicated account manager. We’ll give you a no obligation quote and if you’re happy with this, it’s then time to choose a car! Once you’ve picked the right car for you, we’ll work with you to sort the paperwork and the funds will then be released – you can collect your shiny new vehicle and hit the open road. It couldn’t be simpler! You can visit our how it works page for more information on the overall application process. So, if the thought of ‘no credit check car finance’ has been playing on your mind, stopping you from applying for a car loan, then worry no more. Use our simple service and find a car finance option to suit you today.

*We receive a decision from a lender within 3 minutes of a valid application being made for 84% of applicants (February 2019)

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