Get your car finance

Bad credit car finance provider
Buy from any dealer
No fees
No deposit required
CarFinance Plus is Rated Excellent
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Poor credit experts

We approve most applications

Do you have bad credit no deposit and looking for a car loan? We can help you to get accepted now.

Instant decision

Get accepted within 1 hour

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

Low interest rates

Our best rate is 6.9% APR

Get a low interest car finance and see how cheap our loans are. No fees. No deposit required. Apply now.


Why choose Car Finance Plus?

  • One of UK's most trusted car brokers.
  • Car Finance Plus is a bad credit car loans provider, meaning that we’re able to help customers with poor rating to 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 have provisional driving license.
  • Applying with us won't affect your credit rating. We use soft credit search instead.
  • 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 UK’s top car finance providers who specialise in helping customers with poor credit looking for a car loan.
  • You can borrow from £2,000 to £50,000 over 18 to 60 months for your car. We do 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 a proof of your income and a valid ID to get your approved and underwritten 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

James, £9,550 financed
I’ve been accepted for Vauxhall Insignia finance and got paid out next day. Great service. Read all verified reviews on Trustpilot
Will, £10,920 financed
CarFinance+ found me a low rate vehicle credit. Great part is that I didn’t need any deposit. Thank you. Read all verified reviews on Trustpilot
Stephen, £24,500 financed
The whole process was super easy and I bought a BMW X3 from a reputable dealer. Would recommend. Read all verified reviews on Trustpilot

Frequently asked questions

  • With car finance you can buy a used or new vehicle by spreading the costs 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.

  • If you’re looking to apply for a car loan but your credit rating is not good, then we can help you! We’re number one specialist bad credit car finance provider in the UK helping thousands of motorists to buy their 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 private seller;

  • If you have bad credit or even if you have been refused elsewhere, we may be able to help you. We have a wide range of cheap car loan deals, so we can offer a car loan to customers who may have struggled to get accepted through other lenders and brokers.

    We’re specialists in bad credit car loans and typically 2 out of 3 applications get accepted. Please apply now to get your free no obligation quote.

  • You may often see advertisements proclaiming you can get guaranteed car finance, but in essence, no one can legally 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 0330 043 0033.

Get in touch, we’re here to help

Monday to Saturday (8am to 8pm)
Email: [email protected]
Telephone: 0330 043 0033

*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