Find cheap car finance deals

Bad credit car finance provider
Buy from any dealer
No fees
No deposit required

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Poor credit experts

We approve most applications

We are experts at providing car finance for individuals with bad credit. We can help you to get accepted for a car loan now.

Instant decision

Get accepted within 1 hour

We review your application immediately and aim to get a loan underwritten within one hour. Get your free quote.

Low interest rates

Our best rate is 6.9% APR

Car Finance Plus provides low interest car finance. No fees. No deposit required. See if you are eligible.


A better way to finance your car

  • One of the UK's most trusted car finance brokers.
  • Car Finance Plus helps individuals with bad credit to secure car finance, meaning that we’re able to help customers with a poor credit rating get accepted for vehicle finance.
  • In order to qualify, you will need to be over 18 years old, a UK resident and able to afford your monthly repayments. We can even help if you have provisional driving license.
  • Applying with us won't affect your credit rating. We run a soft credit search to assess your application.
  • You will receive a conditional decision on your car finance application within several minutes.
  • We’re a broker and not a lender, which means that we have access to the UK’s top car finance providers.
  • You can borrow anywhere from £2,000 to £50,000 over 18 to 60 months for your vehicle. We provide PCP, HP, personal loan and guarantor loan car finance options.
  • You do not need a deposit to get accepted for car finance. All we will need is proof of income and a valid ID to get you approved and underwritten on the same day. We can help customers with poor credit, with CCJs, IVAs, defaults and other situations. Check your personalised quote now.

Thousands of happy customers in the UKDon't take our word for it. Let our customers do the talking

Frequently asked questions

  • Car finance is a loan that enables you to buy a used or new vehicle by spreading the cost over a period of time, usually between 2 to 5 years. There are three types of car finance available through Car Finance Plus - Hire Purchase (HP), Personal Contract Purchase (PCP) and Personal Loans.

  • We’re a specialist car finance broker and have helped thousands of motorists across the UK to purchase a vehicle. With a range of specialist financing options including those suited for individuals with poor credit ratings or CCJs, we’re able to help you find the perfect car.

    • No fees;
    • No upfront payments;
    • No deposit;
    • Buy any car from any dealer;
    • Low income and bad credit accepted;
    • Low rates;
    • Decision within an hour;
    • We approve most applicants;
    • CCJs, defaults are accepted;
    • Guarantor car loans;
    • Personal loans;
    • Buy from a private seller;

  • We’re specialists in bad credit car loans and typically 2 out of 3 applications get accepted. You may have bad credit or have been refused financing elsewhere. Our expert brokers will be able to help you find a lender that suits your requirements. Please apply now to get your free, no obligation quote.

  • Brokers and lenders are legally unable to provide a guaranteed car loan unless they run a full credit check and review your financial situation.

    We’re responsible car finance brokers who will only guarantee car finance once we have checked your credit history and matched you to a suitable lender from our panel of car finance specialists.

  • Our panel of lenders will finance cars, motorcycles, vans and touring caravans, so whatever you are planning to buy, give us a call on 0333 050 3440.

Get in touch, we’re here to help

Monday to Saturday (9am to 8pm)
Email: [email protected]
Telephone: 0333 050 3440

*The car loans are applicable to UK residents only. We do not take applications over the phone. Calls may be monitored or recorded.

Start your application