Can I get car finance if I have bad credit?

Having bad credit does not mean that you cannot borrow the money you need to buy the vehicle you want. Even if you have been rejected for financing in the past, there is still the possibility of being approved for a vehicle loan.

It’s difficult to predict whether an application for a vehicle loan will be accepted by looking at your credit score as lenders merely use it as a behavioural predictor. Instead, lenders have to go beyond it and look at your financial history and other information that they hold about you. We have assisted many customers with bad credit, and we offer a wide range of finance options regardless of your credit rating. Working with our large panel of lenders, we search for the most suitable deal that fits your income and budget. There is even the opportunity of offering 0% car finance so that you do not need to pay any deposit.

Beyond this, we also love to offer help and advice on how you can repair your credit rating. For example, if you have any unfair defaults against you, these could be affecting your credit score, so if you were to appeal this decision and have it overruled, then this could immediately improve your credit score rating.

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