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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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Bankrupt over 4 years ago. Can i get a car loan?

I was made bankrupt over four and a half years ago and have not applied for any credit or finance since. I have been fully discharged and was wondering how i would go about getting a car?

Posted by Graeme on


Hi Graeme, thank you for your question.

The good news is that you have been discharged and haven't applied for any other credit as the more credit searches you have done against your name the worse your credit score becomes. I take it that you are employed with a full UK licence too?

If so, I'm confident we could get an approval for you as the bankruptcy was such a long time ago. However, this will still be recorded on your credit profile so the rates you receive will be higher than those seen on the high street. How much are you looking for and over how long?

Electoral roll history and a deposit would help matters also but these are not mandatory. Please make an application for an instant decision and once accepted we provide a no obligation quote and you can buy a car from any dealer. Kind Regards, Edwin

Posted by on

Rate Edwin’s advice.

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Hi Edwin, yes i have a £500 deposit and was looking for £5000 as the car i have seen is £5500. I don't know about the length of time, just what suits best. Regards Graeme

Posted by Graeme on


Ok - please make an application and let's hope we get you approved. The £5000 you're looking for should be achievable if we get you approved. Edwin

Posted by on


Hi Edwin, will Ford give me finance as I am a discharged bankrupt of four years?

Posted by Mandy Hanton on


Hi Mandy, thank you for your question.

You can certainly try to get car finance from Ford however, i do know that they tend to help people with good or immaculate credit histories.

If you try and get declined by Ford for credit please make an application with us as we do help people who have been refused elsewhere. Once approved we provide a no obligation quote and you can buy a car from any dealer in the UK. Kind Regards, Edwin

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