Apply for Bad Credit Car Finance

We use soft search so there is no impact on your credit score

Application

Your Details

Title *

First Name *

As it appears on your driving licence.

Last Name *

As it appears on your driving licence.

Email Address *

Mobile Number *

Date of Birth *

Month *

Year *

Marital Status *

Number of Children (Aged 16 and Below) *

How would you rate your credit? *

Where did you hear about us? *

Who recommended us? *

Where did you hear about us? *

Which of our cars are you interested in? *

Please give us as much detail as possible so we can tailor your approval.

What is your monthly payment budget?

Driving Licence *

If you don't have a full licence, you will need to apply jointly with a partner/parent living at the same address.

Employment Type *

If you are paid in cash, you will need to apply jointly with a partner living at the same address.

Add Joint Hirer *

Must be at the same address as you.

How to get approved for bad credit car finance

If you have bad credit and are looking for car finance deals, these are the best steps you can take to get approved for bad credit car finance.

Find a bad credit car finance dealer – the bad credit finance dealers that operate in the UK either only deal with dealers, brokers, or both. Since most dealers use a broker service to find car finance approvals, this means that a bad credit car finance specialist dealer would be a better option, over a broker, to give you the best chance of a bad credit car finance approval.
Make sure your affordability is good – firstly, you need to ensure you can afford the weekly or monthly payments for a car loan, as well as all the running costs of a used car. Secondly, you need to make sure that your credit file reflects your affordability and doesn’t show signs of financial struggles like arrears, or accounts over their credit limit.
If you have been refused credit in the past, try not to apply for finance too much. Although all the bad credit car finance providers use soft search, they will still track your applications to them and if they reject your application, they are likely to reject you again if you apply inside 30 days of that application.

Can I get bad credit car finance even if my credit score is under 300?

Yes you can. Although services like Experian, Credit Expert, and Credit Karma give a comprehensive score based on your credit history, the bad credit car finance providers all use their own credit scoring system. So although your credit score may be under 300 on one site, doesn’t mean that will impact your ability to get approved for bad credit car finance.

If I apply for car finance, do I have to buy a car?

No you don’t. Once you apply for bad credit car finance, if you are approved, you will have 30 days to utilise that approval. If you choose to do nothing, then after 30 days, your approval will expire and you would need to apply for bad credit car finance again if you need car finance after that.

How can I find out what APR I can get if I have bad credit?

The only way to find out what APR you qualify for, and whether you can get approved for bad credit car finance, is to apply. Your credit score can sometimes give an indication of what APR you could get, but since every fair and bad credit car finance lender in the UK use their own credit scoring systems, this may not necessarily be accurate.

Can I apply for bad credit car finance if I am in an IVA?

Yes you can. If your IVA is still ongoing then you will need to get written permission from your IVA provider if you are approved for bad credit car finance.

Can I still get a car on finance if I have really bad credit?

Yes it is possible. It’s more a factor of when the bad credit happened. If your credit file shows signs that you are struggling financially now or have struggled financially recently then this will result in a rejection. If your credit issues were 12 or more months ago then you will have a better chance of getting approved for bad credit car finance. If you choose to apply for bad credit car finance then your application will automatically be submitted to every fair and bad credit car finance provider in the UK using soft search, to give you the best chance of a bad credit car finance approval.