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Win your car finance with CarFinance 247


If you win, we'll pay off the finance on your car. It's that simple! Your car becomes completely yours, free and clear.

This amazing offer is open to anyone who has secured car finance with us throughout 2023, including Decemeber 2023!

This means that there's still time to enter, get your finance in December, and you're automatically in!

The lucky winner will be announced the week beginning 5th February 2024 on our instagram page.

Terms and Conditions apply.

I have been refused a car loan by my bank. But i need a car for work urgently.

Hi Rachel, Unfortunately, I have been refused a car loan through my bank and i have no idea why! It's very frustrating but i need to start looking at other options. My credit history is ok and i have a reasonable deposit. Can you help me get car finance?
Asked by Mary
June 30, 2011

Hi Mary, thank you for your question.

In short we may be able to get you accepted. The decision really all depends upon your personal credit circumstances and income though. We do have many lenders who specialise in helping customers that have been turned down in the past so we do have a reasonable chance. As a business a large proportion of the people we help have suffered past credit issues. So, as long as you are employed, have some form of current credit and have a driving licence i can't envisage any major problems. The fact that you have a fair credit score and a deposit obviously helps matters.

Please make an application online when you're ready and if approved we provide a no obligation quote and you can buy a car from any dealer. Kind Regards, Rachel

Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 27 People

Get my quote
Rates from 8.9% APR. Representative APR 19.9%




Rates from 8.9%: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £10,000 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £255.50 per month, with a total cost of credit of £5,329.80 and a total amount payable of £15,030.

We look to find the best rate from our panel of lenders and offer you the best deal that you're eligible for. We earn a commission for providing our services, but this does not influence the interest rate you’re offered in any way.

5 years
Total cost of credit £ 2000
Total repayment £ 2000
48 monthly
payments of
£ 245 98

Rates from 9.9%: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £25,000 over 48 months, £3,750.00 deposit, on PCP, with annual mileage of 8,000pa, and a representative APR of 11.9%, an annual interest rate of 11.9% (Fixed), the amount payable would be £394.51 per month, an optional final payment of £7,194.33, with a total cost of credit of £9,912.36 and a total amount payable of £28,444.33. 

We look to find the best product from our panel of lenders and will offer you the best deal that you’re eligible for. We earn a commission for providing our services, but this does not influence the interest rate you’re offered in any way.


Bad credit (refused) related questions

Hi Rachel, I was just wondering the answer to this question. I have got a car on finance with help from a close family friend. She had to take the car finance out in her name but i pay for the car. I've worked all my life well since i was 17. I had a bad

Asked by George Hamill
June 30, 2011

Hi George, from my experience the finance company won't transfer the finance into your name even though you're paying for the car. The agreement is in your family friends name and i doubt they'd want to change it. The best thing may be to sell the car and settle the finance and then apply for finance yourself on a new car when you're ready. As long as you can prove your income, are on the electoral roll and have some current clean credit profiles we should be able to get you approved for car finance. Have a good evening. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 7 People

Hi,Last Wednesday I was approved for Car Finance, I took a Test drive and left deposit to secure car, waiting on the finance company to pay out. In the meantime, I actually Sold my own car. Next visit to the dealer, I was HEAVILY persudaded to try finance

Asked by Aaron
June 30, 2011

Hi Aaron. Unfortunately when you send a second application to a finance company they will re-search you which can actually lower your credit score thus potentially resulting in a decline. However we do deal with most lenders on the market and dependant upon your credit profile we should be able to help you. Please make an application so we can see how we can help. Thanks, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 8 People

Hi, I have never got finance for a car before but now I'm looking at applying. I've found a car for around £11,000, and I've got my old car and some cash to put down as a deposit (in total around £1500 including the car). I have had my own business now fo

Asked by Stacie Greenbank
June 30, 2011

Hi Stacie, thanks for your question! It's great that you've saved a deposit, and the fact that you have a steady regular income should help your chance of approval. As you are self employed, you will most likely be asked to prove your income in the form of a bank statement. By average, do you mean you have a 'fair' credit score? Is so then it's not too bad - and we will try our best to find you an advisor. Please make an application when you're ready and if approved we provide a no obligation quote and you can buy a car from any dealer. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 10 People

Hi, i have just started work about a month ago. I have bad credit would i be able to get car finance?

Asked by David
June 30, 2011

Hi David, Yes - as you're now working this is great news and i'd like to think we'd be able to help get you approved. It all depends upon how bad your credit record is and whether any of our lenders will take you on. Being employed is a massive help though. Please apply and we'll see what we can do. Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 9 People

Hi , i've been looking for a car on finance for the last 2 weeks. I have been to two local car companies and was refused finance on a £5000 car with a £1000 deposit. I don't know why i have been refused. I am only 21 but i do work full time. Is there any

Asked by Donna
June 30, 2011

Hi Donna, there could be numerous reasons why you have been refused such as your age, weak or no credit history and electoral roll presence to name the most common. You seem to have a big deposit so there shouldn't be an issue on that front and you say you work full time so affordability shouldn't be a problem either. Can you tell me where you have applied (which finance companies) and it'll give me an indication on whether we can help you out? Are you on the electoral roll at your current address and do you have any current active credit profiles such as loans, credit cards or store cards? If so, please make an application and once approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 54 People

Hello, I have bad credit however, this is through no fault of my own. It's because off an ex girlfriend who has been making late payments on a mortgage we had together. I have had nothing to do with the house for over 5 years now and I earn a good wage. I

Asked by Jason
June 30, 2011

Hi Jason, as long as you have no other missed payments or defaults we should be able to get you approved for car finance through one of our niche lenders. What other form of active credit do you have and are the accounts up to date and paid on time? Also do you have a deposit or part exchange? It would help if you were on the electoral roll so please get yourself on the register before you apply for finance. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 9 People

I got knocked back on finance for a car because of my age. If I were to get a guarantor do you think I would get a car on finance?

I've put down my deposit and everything for the car already?

Asked by Kiera
June 30, 2011

Hi Kiera, thank you for your question.

Adding a guarantor to your application can certainly improve your chances of being approved. It's certainly worth a go! I take it you have a UK licence, a UK bank account and are employed?

If so, please make a joint application and once approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 6 People

My wife and i are currently looking for a bigger family car. We both have bad credit and do not work.

We are on benefits. Could we get a loan from you?

Asked by Andy
June 30, 2011

Hi Andy, thank you for your question.

The good news is that we do have a handful of lenders that will consider helping people who have bad credit and are on benefits get car finance.

As long as you have a UK licence and can prove your benefit income with bank statements we could potentially help. If you’re on the electoral roll (not mandatory) this would help too.

Please make a joint application and once approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 37 People

Hi, I am in full time employment but, i am not on the electoral roll and i have bad credit. Is there anyway you could help me? Regards, Shane.


June 30, 2011

The good news is that we work with a panel of lenders and some of those lenders can help people who are on benefits and have bad credit get car finance. This includes people claiming Disability Living Allowance, subject to approval. However, we can’t guarantee you’ll get a car loan as everyone’s circumstances are different. Get a quote to find out more. Bad Credit Representative APR 31.2%.

Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 7 People

I am looking for car finance to purchase a Land Rover worth £30k. I will have £10k deposit plus my existing car which is worth £1k. The only issue is my credit rating was in the 550s the last time I checked as in 2010 my husband lost his job and things go

Asked by Margaret
June 30, 2011

Hi Margaret, thank you for your question and apologies for the delayed response. We'd love to be able to help you and as you have a large deposit, a good income and the fact that you're now improving your credit by settling your old debts i'm confident we can secure you the amount you need. We do have a few lenders on our panel that help people with past blips on their credit file and one in particular who will lend large amounts to those with big deposits. Once approved you can buy your Land Rover from any dealer and we transfer the funds directly to them. We'll obviously help guide you through the process too. Have a great weekend. Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 6 People

Can't find the right answer?

Our Manchester based team are ready to help you.


* The UK's largest online car finance broker by unique users to the website. Based on Similar Web data – 1,137,647 to CarFinance 247 vs. 753,819 for nearest competitor. January to June 2023.

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.

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