Set your car loan budget
Representative example – excellent credit Borrowing 7500 over 4 years with a representative APR of 6.9% and a deposit of £0, the amount payable would be £177 per month, with a total cost of credit of £1,035 and a total amount payable of £8,535.
We say yes to poor credit car finance
1. CCJ's, arrears or defaults.
2. Past or present IVA, CVA or bankruptcies.
3. Poor electoral role history.
Car finance experts for bad credit
Our aim is to find you the best car finance deal no matter whether you have an excellent, poor, or bad credit rating. We offer a simple way for you to buy a vehicle of your choice from any dealership nationwide. We offer car finance for poor and bad credit motorists with 0% deposit. Your application is processed in minutes and you will get a same day decision in principle.
We are experts in arranging car loans for those that have been refused because of poor credit rating, defaults or missed payments in the past. Simply apply now to get a personalised loan offer.
We’re bad credit car finance experts and we will search the market for the best deal to suit your budget.
Vehicle loans for bad credit
Refused car finance
We can help you even if you’ve been rejected car loan by another lender or broker.
Buy from any dealer
You’re free to purchase any vehicle from any reputable UK dealership.
Same day payout
We can approve, underwrite and pay out same day.
Yes to bad credit
Drive away your new car with us even if you have CCJs or IVAs.
We're experts in poor credit vehicle finance
We work differently – by looking at your ability to afford monthly repayments and if you meet such criteria, we could offer you car finance with bad credit. Our experts are friendly and we understand that everybody’s credit rating is different, thus we search for the most suitable deal from our panel of lenders to suit your income and budget. We also offer help and advice on how to repair your credit rating. Simply choose a vehicle from any dealer, agree your monthly payments, sign the paperwork and collect your car – this all can be completed same day.
How to get car finance with bad credit
We can help you get approved as we have specialist lenders on our panel who help motorists with CCJ’s. Your would 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 good credit rating.
We first do so called ‘soft credit search’ in order to give you a personalised quote. If you’re happy with your personalized loan offer, APR and monthly repayments, we will then conduct a full credit search on your profile. Once that has been done, we will then give you a decision in principle.
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 financed, we would need to see 3 months bank statements as proof of your income.
We cannot guarantee your car finance acceptance. If you’ve been discharged from your bankruptcy, we might 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.
We have access to 20 UK lenders that specialise in helping customers with all types of credit ratings. Yes, you could have car financed acceptance even if your credit is fair. Please apply online for your personal quote.
At CarFinance Plus we’re happy to offer 0% vehicle credit. This means that we could finance 100% of the car’s value and you don’t need part exchange or cash deposit. Use our calculator to check how much you could borrow to buy your new car.