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Do I need a credit check?

If you’ve been refused car finance in the past, had a Country Court Judgement (CCJ) or missed payments, you might be worried about your credit score. In fact, it might mean that you’ve been putting off applying for car credit or are only looking for ‘no credit check car finance’.

When you apply for finance with us, you will need a credit check. But if your score could do with some work, that doesn’t mean it’s the end of the road. We understand that it isn’t easy to maintain a perfect credit history and your credit score isn’t everything. That’s why we look at each application individually to understand your personal circumstances and determine which finance options might be suitable for you.

We work with a panel of lenders so we can look to find car finance options for people with good credit, bad credit, and somewhere-in-between credit. So, even if you’ve been refused finance in the past or have a less than perfect credit score, we might still be able to find the right car finance option for you.

What checks are carried out for car finance?

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

This won’t affect your credit score or leave a mark on your report. A soft search simply lets us see how you currently manage your loans and repayments and how you’ve managed your borrowing in the past.

Once you’ve been approved in principle, your dedicated account manager will give you a call to talk you through your finance options and look to find the right deal for you. It’s only if you find the right option and choose to go ahead that a hard search will take place.

Hard searches do leave a mark on your credit file and will be visible to other lenders. If you’ve been shopping around and making many separate applications for finance, be aware that having many hard searches on your credit profile in a short period of time could affect your credit score and your chances of being accepted for finance.

What does a credit check involve?

A credit check is just one of the tools that lenders can use to find out a bit more about you and the way you manage your finances. It helps them see how you act as a borrower and how likely it is that you’ll keep up with your repayments.

Your credit score isn’t the only factor that a lender will look at though. They’ll also probably consider:

  • Your age
  • Your income
  • Your Electoral roll information
  • Any Current financial commitments and debts
  • Any missed repayments
  • Any previous applications
  • The amount you want to borrow
  • How long you want to have to pay it back

Not all this information can be found on your credit report. That’s why it’s important to complete your application as fully as possible.

Everyone’s circumstances are different, and each lender makes decisions based on different factors, so every application is reviewed individually.

Your credit history doesn’t just affect whether you’re approved for a loan, it can also change the APR you’re offered. If you’ve proved that you made repayments in the past, you might find that you’re eligible for a lower rate than someone with missed payments on their credit report.

The good news is that your credit score is never fixed, and you can always take steps to improve it, even if you’ve got a history of missed payments or CCJs on your file.

Can I get bad credit car finance?

We know that credit scores come in all shapes and sizes. If you’ve had CCJs, an Individual Voluntary Agreement (IVA), mortgage arrears, or late payments in the past, 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 do our best to find a poor credit car finance deal that’s right for you, whatever your circumstances or credit history.

Frequently asked questions

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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* 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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