Bad credit car loans
CCJs, defaults, arrears?
Buy from any dealer!

We’re online bad credit car finance specialists

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.

I would like to borrow
I will repay it over
  • Best available rate:6.9%
  • Total repayment 8,535
  • Total cost of credit 1,035
48 monthly payments of 177
Apply Now free no obligation quote

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.

UK's online bad credit car finance broker

At CarFinance Plus, 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.

Whom can we help?

  • Defaults
  • CCJs and IVAs
  • Bankruptcies

Your can transform your life and buy a car of your dream for work or leisure for monthly payments that will suit your budget.

Get accepted with bad credit

Our customers are often surprised by the wide range of deals we present to them by comparing the finance offers from UK’s top lenders.

  • 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 poor 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.

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Get your car finance

Apply to compare 100+ car loan offers from UK’s top lenders and we will find the best car finance deal to suit your budget.

It was so easy to get accepted for a car loan. The team helped me with every step of my application. I’m now a proud owner of Porsche Cayenne. Best car finance company in the world.

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Jeff Joseph
Bought 2014 Porsche Cayenne

Can I get car finance with
defaults and CCJs?

There is a good chance CarFinance Plus could help you get accepted as we have specialist lenders on our panel who help motorists with CCJ’s. Your would need to have a full UK licence and can prove your employment income. Lenders would want to see your intent to pay off any old defaults or CCJs. We may be able to get an acceptance easier if you have a guarantor or joint applicant who has good credit rating.

How long will it take to process my application?

The application itself takes a minute to complete. All decisions are instant and once it has been approved, you could have your application underwritten and paid out same day.

Can I get accepted for car
finance with fair credit history?

We have access to over 10 UK lenders that specialise in helping motorists with good and poor credit ratings. Yes, you could have car financed acceptance even if your credit is fair. Please apply online for your personal quote.

I've been bankrupt, can you offer guaranteed car finance?

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.

Does applying for a car loan
affect my credit score?

We first do so called soft credit search in order to give you a personalised no-obligation quote. If you’re happy with your bespoke loan terms, APR and monthly repayments, we will then conduct a full credit search on your profile.

I'm self-employed with bad credit, can you help me?

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. To find out how much your monthly repayments would be, apply now and get an instant quote.

Get the right no deposit car loan deal today with CarFinance Plus