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.

Poor Credit
Car Finance

Car Loans | CarFinance 247
Get my quote Rates from 9.9% APR. Representative APR 23.9%
CarFinance 247 is a credit broker, not a lender.
Car Loans | CarFinance 247

Rates from 9.9% APR. Representative 23.9% APR. Hire Purchase (HP) Example: Borrow £10,000 over 5 years with a £0 deposit. Representative APR 23.9% fixed rate. Monthly payment: £274.05. Total cost of credit: £6,442.98. Total amount repayable: £16,442.98. Car Finance 247 Limited is a credit broker not a lender.

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.

We only work with trusted partners

Need car finance but have a poor credit history?

If you are looking for car finance but have a poor credit history, the good news is that we are specialists in arranging car loans for those that have previously been refused.

No matter what your financial circumstances, we will try to help even if you have had mortgage arrears, CCJ’s or other payment defaults in the past. Perhaps you are self-employed? Or maybe you have no credit history at all?

This is not always a problem. And while no one is guaranteed to get finance, at CarFinance 247, we're sympathetic to people who have experienced financial difficulties or are unable to get a loan for one reason or another

Even if you are in a debt management plan or have an IVA, we can still try to help. We believe that past financial difficulties shouldn’t hold you back in terms of getting what you want. We also believe that just because you have a poor credit rating, you shouldn’t have to pay over the odds if you are accepted for car finance and, in some cases, no deposit is required with a no obligation quote also being provided.

We have long standing relationships with many car finance providers who specialise in loans for those with poor credit, so even if you’ve been rejected elsewhere you may be able to find a loan approval.

How to get car finance with a poor credit history?

Some people mistakenly believe that if they apply for numerous loans at once, they are bound to get accepted for one. This is a misconception, however, and could actually damage your credit rating further.

Every time you apply for a loan, a note is put on your credit file. When deciding whether to approve you for any type of credit, what is on your credit file in terms of your financial commitments, current status and financial history, is one of the major considerations of a lender.

Lots of applications suggests that you are financially desperate, which will make a lender more likely to refuse your application.

That is why it makes sense to use a specialist such as ourselves.

Our service is easy to use and takes all the hassle and worry out of applying for a loan. Once your application is accepted, we even handle the administrative side of things too – the hardest thing you have to do is choose your car!

Here is how our service works:

  • Simply complete the application form
  • If approved, the amount you can borrow will be discussed with your account manager
  • Now for the exciting bit! Choose the vehicle of your choice from any reputable dealer
  • Once you’ve found your dream car, give us all the details and we’ll do the rest!
  • You’ll receive some paperwork to sign and return to us and once we’ve done our final checks, you can collect your new car - it couldn’t be simpler!

Here to help

CarFinance 247 are here to help. We pride ourselves on giving a first class service in terms of the products we offer and a friendly, yet professional, customer service.

We are here to make sure the whole process goes as smoothly as possible. We will guide you through the whole application process right through to when you collect your car.

We also offer a number of products to help protect you and your vehicle, such as optional warranties and GAP insurance. (Please speak to your account manager about these if you are interested).

We even offer advice on how to repair your credit rating so you will not be turned down for credit in the future.

Why use CarFinance 247?

We are a car finance specialist that has access to many products and a wide panel of lenders. This means we're able to offer finance options to poor credit customers that suit their individual circumstances.

We are specialists in finding the car funding solution that is most appropriate for you, quickly and simply.

Do note that we reserve the right to refuse an application if we feel it is not in your best financial interests.

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* 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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