We are specialists at sourcing finance for poor credit ratings

We work closely with trusted lenders to provide bespoke car finance deals you can compare - without affecting credit score.

See your likelihood of acceptance

We will do a free soft check of your eligibility.

Compare trusted car finance lenders

Once accepted, compare best rates and deals from UK’s top funders.

Get exact APR for easier budgeting

Get exact car loan deal offers and pick the best one for your monthly budget.

How much can I afford to pay?

Our car finance calculator is an ideal tool to work out what your monthly repayments will be.

Good credit
Bad credit
Amount to borrow:
To repay over:
5 Years
Car finance rate XX% APR
Cost of credit £ XXX
Total repayment £ XX,XX.XX
48 monthly payments of
£ 245 /mo

Representative example - Borrowing £5,500 over 4 years with a representative APR of 19.8%, and a deposit of £0, the amount payable would be £162 per month, with a total cost of credit of £2,282 and a total amount payable of £7,782.

We compare car finance quotes from all the leading providers

We partner with the UK’s trusted car finance lenders, so that you get the most suitable car loan quotes from across a huge choice of deals.

The Car Finance Plus Promise

We specialise in providing finance to those with bad credit, so even if you don’t think you are a suitable candidate for finance, we do. Whatever your history—including default, CCJ, arrears, and bankruptcy—we can help you find the perfect car, even if you’ve been refused a loan request in the past.

You will never be charged any fees for applying and our financing is arranged with as little hassle as possible—that’s the CarFinancePlus.com promise. This means no paperwork and no hard credit check, so applying and getting a quote won’t affect your credit score.

Within an hour of applying for your financing, you’ll be able to drive your dream car home from the dealership.

Secure car finance with bad credit

We offer car finance for customers with a variety of credit histories, including bad credit. SSo, whether you’ve had CCJs, been refused financing, made late payments, or have mortgage arrears, it doesn’t mean you can’t get the car of your dreams.

Lenders will typically deny a loan to you if you have any of these issues, as it’s seen to be high risk. However, we think this is unfair and that past financial circumstances shouldn’t prevent you from buying a car today.

Bad Credit Finance Specialities

There are a number of reasons why your credit rating may be considered to be bad and we aim to help everyone, including:

You may have been refused because your credit score was too poor and the finance dealer you applied through could not find appropriate lenders. This will most likely have impacted your rating as a hard credit check would have been used. There are a number of other reasons you could have been refused but our team are specialists at comparing trusted lenders, so give us a shout, or read through our guide.

Our guide to refused car finance.

County Court Judgement (CCJ) is a legal decision from the County Court against a person for failing to repay loans on time. This can, obviously, make it difficult to secure a loan from most providers. However, here at CarFinancePlus.com, we specialise in helping people who are in this very situation. All you need to do is provide us with proof of income for us to present to our lenders to help you with a car loan. In most cases, having a guarantor can strengthen your case.

Our guide to CCJ car finance

Being self-employed can make securing any kind of loan more difficult as there is often uncertainty surrounding your income, whether you work part-time or on a freelance basis. However, we don’t think self-employment should prevent you from buying a car on finance, and we help our customers who are in this situation. All we need is bank statements from the past three months as proof of your income and we can match you to a lender who will be able to help.

Our guide to self-employed car finance

Having a lack of income does make it more difficult to secure car finance, but it isn’t impossible. As long as you can prove that you’ll keep up with the repayments, we can help you get a loan for your dream car. Apply online today and our experts will get in touch to discuss your eligibility and talk about the next steps.

Declaring bankruptcy naturally limits your financing options, so while we make it our mission to help, we cannot give any guarantees. If you’ve been discharged from your bankruptcy, our lenders are likely to help you secure the car finance you need. Our expert team can also offer advice about how to improve your credit score in order to get finance. You can apply online now to get started.

If you’ve ever had a problem repaying loans, this will show up on your credit score. You may have a Debt Management Plan (DMP). Lenders see this as evidence of poor money management, and it makes sense that if you have previously had trouble making repayments, you’re considered a higher risk profile to lenders.

Our guide to debt management plans

Not having a credit history can actually lead to a poor credit profile – this is often an issue for students. There is no way to prove that you’re trustworthy when it comes to paying back your loans, as you’ve never had to do so, so lenders will see this as a potential risk. A credit profile is built on evidence of good money management, so not having a history is seen as a hindrance.

Our guide to student car finance

Bad Credit Car Finance Options

The most common car finance options for poor credit are hire purchase (HP), personal contract purchase (PCP), lease purchase or personal loan.

Hire purchase (HP)

Hire purchase (HP) is a way to pay for a car loan in equal monthly instalments over a set period of time, between 18 and 60 months. There are no deposit deals available although paying a small deposit will lower your monthly payments.

Learn more about HP

Personal contract purchase (PCP)

With Personal Contract Purchase you will pay initial deposit, usually 10%. The monthly repayments are typically lowers because you are paying off the value of the depreciation of the vehicle, not the full value of the car.

Learn more about PCP

Personal loans

Personal loan or unsecured loan car finance is where you borrow a sum of money from a lender or a bank, and agree to pay it back over in fixed monthly repayments. This means you own the car outright as its not secured to the credit agreement.

Learn more about Personal Loans

Car finance with a guarantor

This is a car loan where a friend or family member agrees to guarantee the repayment of the loan in the case of you failing to meet the payments. The initial loan is paid by the lender to the guarantor and they release it to you.

Learn more guarantor finance

Customer reviews

Emile was amazing! Was a pleasure speaking to him on the phone! He got me the best deal and helped me right up to the end, even gave excellent customer service after the purchase had gone through.

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Vehicles we finance

About us

We are the motor finance people

Since 2015 we’ve specialised in motor finance. We’re a family-run company committed to putting our customers first.

Learn more about our company