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Car Finance Expert Q&A

Hi, I'm Edwin and I'm here to help you!
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Edwin Miles. Underwriting Manager

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Do you have a question about Carfinance247 or its services? If so, please complete the form below for a response within 1 working hours. I have over 7 years experience working for Carfinance247 and have the responsibility to answer all questions asked.

Carpenter with CCJs looking for £4000 car loan

Hi Edwin, I would like to get a car loan of £4000 but my I have a bad credit history. I had a couple of CCJs a few years back - and my credit score hasn’t fully recovered since then. I'm confident that I can afford to make my repayments as I have a regular job, am caught up with my debts, and paying all of my bills regularly. I’ve managed to save £2000 for a deposit and could save the rest, but it will take quite a while, and I’m desperate for a new car! I’m also trying to build up my credit rating again so I don’t want to apply and get rejected.

Posted by Ryan on


Hi Ryan, thank you for your question

It’s great that you’re getting on top of your credit- and we may be able to help! We actually have lenders on our panel that specialise in helping people with bad credit secure finance- so we will try our very best to help you!

When you initially apply, we carry out a soft search which will not affect your credit score. If then we believe you have a good chance of approval with a lender, we will send across your application to them and they will then carry out a hard search which will be visible on your credit profile.

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 reputable dealer in the UK. Kind Regards, Edwin

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