Bad credit car finance

Bad credit experts
CCJs, defaults, arrears?
No deposit
Buy from any dealer
Trustpilot 5 stars

We only use trusted partners

PCF Bank Logo
Advantage Finance Limited Logo
Lendable Logo
Moneybarn Logо
Progressive Money Logo
RateSetter Logo

Experts at Securing Car Finance for Bad Credit

Car Finance Plus is a specialist car finance broker, having helped hundreds of people with bad credit scores secure car finance. Using our panel of the UK’s most trusted lenders we are able to find car loans to suit almost any individual’s circumstances. If you are looking for a car loan and are concerned that you have a bad or poor credit rating, then apply now with Car Finance Plus and we’ll find the best deal possible.

We offer a range of bad credit car finance options. Whether you have arrears, CCJs, IVAs or have been refused a car loan in the past, we will use our network of lenders to find a loan that is affordable for you.

Use our online car finance calculator to check how much you could borrow to buy your new car. Simply choose a vehicle from any dealer, agree your monthly payments, sign the paperwork and collect your car — this can all be completed the same day.
Beyond this, we are also happy to offer help and advice on how to repair your credit rating. Speak to one of our friendly advisors today.

Why would I have no credit?

A bad credit rating is likely to mean that you have struggled to manage your debts in the past and may have been late in making relevant repayments when they were due. A bad credit rating can also occur if you have never taken out any form of finance before. As such, you will not have had an opportunity to build upon or improve your score. Other factors affecting a credit score could include moving address frequently, not being on the electoral register, or having had several full credit searches on your credit history within a short period of time.

Whatever the reason may be, even if you have a poor credit score, there is still a possibility of being approved for a vehicle loan. Working with the UK’s top lenders, we are able to compare the market to find the best bad credit car finance deals for many people and with any type of budget. We can even offer 0% car finance so that you don’t need to pay any initial deposit.

We’re bad credit car finance experts and we will search the market for the best deal to suit your budget.

It’s actually very difficult to predict whether your application for a vehicle loan will be accepted purely by looking at your credit score. Lenders can only use it as a ‘behavioural prediction’. By this, we mean that they can only attempt to predict your future behaviour, based on your past behaviour. This is usually over a five-year period.

Nevertheless, it’s important to note that your credit score is more than just a number and lenders have to look beyond this. Their decision has to be dependent on the information they hold on you. For example, you may have an unfair default which could be adversely affecting your score. If you were to appeal this decision and have it overruled, then the challenge could immediately improve your credit score rating.

As such, it is important that the information held about you is correct and up-to-date, which is why we will always recommend that people understand what is on their credit profile. If there is something out of place, you can then work to remedy it and try to improve your credit history.

How to get accepted for a car loan with poor or bad credit

  • 1. Can I get accepted with defaults and CCJ’s?

    We can help you get approved as we have specialist lenders on our panel who help motorists with County Court Judgements (CCJ’s) or a poor credit rating with previous defaults. You will need to prove your employment income. We may be able to get an acceptance easier if you have a guarantor or joint applicant who has a good credit rating.

  • 2. Does applying for a car loan affect my credit score?

    We first do a so-called ‘soft credit search’ in order to give you a personalised quote – this part will not affect your credit score and won’t show on your credit history. A soft search will allow us to determine if we can find you a suitable loan, and the type of rate we might be able to get you. After this, if you’re happy with your personalised loan offer, APR and monthly repayments, we will then conduct a full credit search on your profile – this part does affect your rating. A full credit check is required by the Financial Conduct Authority. Once that has been completed, we will then give you a decision in principle.

    It is worth bearing in mind that, if granted a loan, meeting your monthly repayments in a timely manner will actually help rebuild your credit rating to a healthier level, which can have a positive long-term impact and could improve your chances of getting favourable future loans.

  • 3. I’m self-employed, can you help me?

    We understand that income can come from a range of different types of employment, whether that be as a part-time worker, someone working for an agency, or those who are self-employed. All of whom may still be able to get a car loan.

    We have lenders on our panel who are experts in helping self-employed customers with poor credit. If you’re self-employed and looking to get a new vehicle on finance, we require 3 months of bank statements as proof of your income. See our self-employed car finance page for more information.

  • 4. I have a bankruptcy, can I still apply?

    We cannot guarantee your car finance acceptance. If you’ve been discharged from your bankruptcy, we may be able to help you. All you need to do is fill in the application online and one of our experts will be in touch with you shortly to advise your loan terms.

  • 5. How do lenders decide whether to grant me a loan?

    All lenders will have different criteria that an applicant must meet before they decide whether to grant them a loan. These will vary between providers, many of which provide loans regularly to individuals who have bad credit, no credit or are self-employed. Our job is to match suitable applicants to lenders, based on their individual circumstances and budget. This is why we will look beyond just your credit score, taking other factors into consideration when finding appropriate loan providers to match your needs.

    It is important to note that finance is never guaranteed, and there will still be certain criteria that each applicant must meet. For instance, your age, income and amount you wish to borrow will all play an important role in the decision-making process. Speak to one of our friendly advisors today to find out whether you will be able to apply for a car loan.

  • 6. What documents do I need to apply?

    We work closely with several different lenders, many of which specialise in poor credit car finance. The documents they will require from you may vary from lender to lender, but as a minimum, you will need: proof of driving licence, proof of income and proof of current address.

What happens next?

Once you have accepted our no-obligation quotation and your formal application to the lender has been approved, it is simply a question of choosing the new or used vehicle you want to buy from any reputable car dealer in the UK. We even make checks on the vehicle on your behalf — such as confirming that there is no outstanding finance on it. will complete all of the necessary paperwork and pay the money directly to the dealer, so that you can drive your new car away. In many cases, this can all be finalised within just a few days.

We don’t just offer car finance either, we can also help people with financing other types of vehicles, including van finance and motorbike finance.

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

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