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Can I Get Car Finance if I Have Poor Credit?

Hello, I have seen a car in a local garage for £8000, but have poor credit can you help get me approved?

Asked by Kelly Grimes

Hi Kelly, thank you for your question. If you have a poor credit history you've come to the right place. Here at Car Finance 247 we help hundreds of customers on a monthly basis that have past issues obtain car credit. If we get you approved i don't see £8000 as an issue as long as your affordability (worked out from payslips) doesn't cause any problems.

Do you have a deposit at all? Are you on the electoral roll? Do you have any current clean credit? If the answer is yes to those 3 questions this will give us a better chance of getting you accepted.

Lastly, when approved we provide a no obligation quote and you can choose a car from any dealer in the UK. Please make an application when you're ready. Thanks, Rachel

Tim Carpenter
Answered by Tim Carpenter Car Finance Expert Edited on

Liked by 113 People

£
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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