Car Finance Car Finance Calculator How It Works Help & Advice Contact Us Sign In Bad Credit Car Finance My monthly budget is £ Get a quote No impact on your credit score Rates from 19.9% APR. Representative 27.9% APR 4.6 out of 5 Representative example: borrowing £6,500 over 5 years with a representative APR of 27.9%, an annual interest rate of 27.9% (Fixed) and a deposit of £0.00, the amount payable would be £190.26 per month, with a total cost of credit of £4,915.46 and a total amount payable of £11,415.46. We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way. Can I get car finance with bad credit? Yes! The good news is that we might be able to help you find bad credit car finance – even if you’ve been refused elsewhere. At CarFinance 247, we know that credit scores come in all shapes and sizes. If you’ve had CCJs, an IVA, mortgage arrears or missed payments in the past, your credit score could be less than perfect. But that doesn’t mean you have to give up on getting car finance. There’s no judgement here. We’ll work to find you the best poor credit car finance deal from our panel of lenders, whatever your circumstances or credit history. Can I get car finance with no credit history? If you’ve never borrowed before and have no credit history, it could be tough to get a car loan. That’s because lenders have no way of knowing what kind of borrower you’ll be. Don’t worry; we could still help you secure bad credit car finance. Get a quote to find out more. Why come to us for bad credit car finance? For us, used car finance is all about helping people improve their everyday lives. Whether it’s sorting out the school run, getting that big boot for the big shop, or a car you’re proud to park outside the office, we’ll work to find you the best deal from our panel of lenders. Plus, you’ll have a dedicated account manager on hand to help guide you through the process. What's next? How to apply for bad credit car finance It all starts with a quote. If you’re approved in principle, your account manager will give you a call to talk through your options. No strings attached. They can answer any questions you have and grant you access to our car search – a treasure trove of over 120,000 used cars ready and waiting to find a home. Found a car elsewhere? We can still help – just let your account manager know. Wondering how much you might pay? Use our car finance calculator to get an estimate of your potential monthly repayments. How to improve a bad credit score The best thing about credit scores is that the aren’t fixed; you can take steps to improve your score over time. Keep in mind though that it isn’t an exact science and each credit reference agency (the UK has three) uses a different algorithm to calculate your score. 5 ways to boost your credit score: Pay your bills on time Check for mistakes on your credit report Don’t use all your available credit Don’t make lots of applications at the same time Get on the electoral roll What paperwork will I need to provide? We work with a panel of lenders – including some that can offer poor credit car loan options – and the documents they need can vary. We’ll probably ask for: Proof of driving licence Proof of address Proof of income Self-employed with bad credit? This doesn’t have to be a deal-breaker. We also work with lenders that can, subject to approval, help people in your situation get a car loan. Frequently asked questions Can I get a car on finance with bad credit? Are there any lenders who will finance a car with bad credit? Can I get bad credit car finance with no deposit? How long will it take to get car finance with bad credit? How does the car finance process work? Can I get guaranteed car finance for bad credit? What credit score do I need to get car finance? Read more Read more about bad credit A guide to IVAs and car finance A guide to Debt Relief Orders, Debt Management Plans and car finance 6 easy ways to improve your credit score Ready to start? Applying with us only takes a couple of minutes and won't affect your credit score Get a quote No impact on your credit score Get in touch Contact us CarFinance 247 Ltd., Universal Square, Devonshire Street North, Manchester, M12 6JH, Sitemap Partners' portal Dealers' portal Yes car credit Terms & Conditions Privacy Policy Cookie policy Acceptance use policy Complaints procedure Modern Slavery Act 247 Money Free ride to the top Also of Interest: Feel Good Car FinanceI Have Bad Credit but Need Car Finance Without...I have bad credit and am looking to borrow... * The UK's number one online car finance broker by unique users to the website. Based on Hitwise data – 1,746,657 to CarFinance 247 vs. 666,020 for nearest competitor. January to December 2019. 96% of our customers recommend us: † Based on feedback left on independent review site Reviewcentre. May 2019. CarFinance 247 is a trading name of CarFinance 247 Limited. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. (Registration Number 06035525). CarFinance 247 is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 653019). CarFinance 247 is registered with the ICO (Registration Number Z1897658). Finance is subject to status and is only available to UK residents aged 18 and over. Written quotations are available on request. This site uses cookies so that we can provide you with the best user experience. By continuing to use the site you are consenting for cookies to be used. Further information on cookies and how you can disable them is available on our cookie policy. We use cookies to look after your data, personalise ads, and give you a great online experience. Accept Cookies Manage Cookies Find out about our cookie policy