No credit car finance

Bad credit
CCJs, defaults, arrears
Buy from any dealer
No fees
CarFinance Plus is rated 9.6/10
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Yes you can get a vehicle loan without credit

Bad credit is likely to mean that you have struggled to manage your debts in the past and may have been late in making the relevant repayments when they were due. No credit probably means that you have had County Court Judgments (CCJs) against you, perhaps entered an Individual Voluntary Arrangement (IVA) with your creditors, or even been declared bankrupt.

This is enough to make many a lender cautious in the extreme about arranging further car finance – with the result that you may have had applications turned down.

This is why we’re different

However bad your credit record may be we will do our best to secure the loan, hire purchase agreement, Personal Contract Purchase (PCP) or guarantor loan our customer’s need.

Thanks to our carefully selected panel of lenders, we have some who make it their specialty to arrange car finance for individuals with bad credit – even really bad credit.

Our streamlined online car finance application facility means that you simply decide how much you want to borrow, how much you are able to afford to repay each month and over what period of time – and we aim to return a personalised quote to you within the working day.

Credit checks

Of course, a credit check needs to be made on your ability to repay any loan or line of credit – that is one of the rules of the Financial Conduct Authority (FCA) which regulates all such business.

But the last thing you want, if you already have really bad credit, is another rejection of an application for a loan – since the rejection itself adversely affects your credit status.

That is why we carefully pre-check the likelihood of your application being formally accepted by one of our lenders by performing what is described as a “soft” check – a snapshot in time of your current income, outgoings and existing credit – which has no impact on the information held about you by the major credit reference agencies.


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 dealer in the UK.

We even make checks on the vehicle on your behalf – to confirm that there is no outstanding finance on it, for example – do all the paperwork and pay the money directly to the dealer, so that the only role you are left to play is to drive your new car away.

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

James, £9,550 financed
I’ve been accepted for Vauxhall Insignia finance and got paid out next day. Great service. Read all verified reviews on Trustpilot
Will, £10,920 financed
CarFinance+ found me a low rate vehicle credit. Great part is that I didn’t need any deposit. Thank you. Read all verified reviews on Trustpilot
Stephen, £24,500 financed
The whole process was super easy and I bought a BMW X3 from a reputable dealer. Would recommend. Read all verified reviews on Trustpilot

Get in touch, we’re here to help

Monday to Saturday (8am to 8pm)
Telephone: 0330 043 0033

*The car loans are applicable to UK residents only. We do not take applications over the phone. Calls may be monitored or recorded.

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