Bad Credit Car Loans UK

We Find Car Finance For People With Poor Credit Histories

The best way to get finance for your next car

bad credit car finance checklist

We Connect You With Companies Who Can Sort Your Car Finance

Hi and welcome. We are Bad Credit Car Finance and when you apply with us, we search our panel of lenders and find you a deal that suits your requirements and your financial circumstances.
We believe that by helping you to understand your finance options first, you are better able to shop for a car you want with a realistic budget in mind.

You can use our handy Car Finance Calculator to get a rough idea of what the cost of your finance could be.

You Get A Car Loan From A Company Suitable For Your Needs
and You Save Money!

We have made it our mission to break through the barriers that prevent people with poor credit histories from getting car finance with bad credit at fair and reasonable rates.

This means that we will try to match you with lenders that can give you the best available rates for the what you want to borrow based on your financial circumstances.

The best bit is that our credit check has no impact on your credit score. So there is no reason not to apply.

bad credit success
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You've Already got the Car Finance You Need - Pick the Car You Want!

There are literally thousands of great vehicles available to drive away. Its refreshing to know that once you’ve been fully approved for finance, you can choose a car from any reputable dealer within your budget range knowing you already have the finance in place to get the vehicle!

Most customers drive the vehicle they choose away within the same week!

You've Already got the Car Finance You Need - Pick the Car You Want!

There are literally thousands of great vehicles available to drive away. Its refreshing to know that once you’ve been fully approved for finance and got your car loan in place, you can choose a car from any reputable dealer within your budget range knowing you already have the finance in place to get the vehicle!

Most customers drive the vehicle they choose away within the same week!

approved-car-finance-car

How Did I End Up With Bad Credit!

We don’t know the exact reasons why you may have a bad credit score. There are many factors that lead to a bad or poor credit history. Below are a reasons that might have negatively affected your credit score and impacted your credit rating at some point.

Missed Payments – Whenever you miss a bill payment it is recorded on your credit file. Lenders are able to see the missed payments, how frequently they have been missed and when you missed your last payment. If you miss lots of payments regularly you will be considered to be a greater risk and not able to manage or repay the finance you are asking to borrow.  If you are lucky enough to find a lender who is willing to take the risk. It is very common for the Interest rate on the finance to be very high.

Defaults & CCJ’s – A default is recorded on your credit file when you fail to meet your repayment obligations. A default is usually only recorded after multiple payments have been missed or several months have passed since the payment was due. A County Court Judgement (CCJ) is the extreme outcome of this where the lender applies to the court to get you to pay the debt. There are often additional fee’s and costs added onto the outstanding amount. To help you credit score and ability to get finance, you should try to avoid this scenario at all costs.

Defaults & CCJ’s will remain on your credit file for six years and in most cases will lead to mainstream lenders declining your credit application. It is important that you satisfy and outstanding defaults as quickly as possible to start the process of repairing and improving your credit score.

Ready? Lets Get You Some Finance.

Applying only takes a couple of minutes and the searches our providers make won’t affect your credit score

Got Questions? Choose From The Following.

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