Q: Can I get car finance with bad credit?
A: Yes.

We have twenty years experience of obtaining car finance for people with low credit scores. Our wide panel of lenders can cater for slow payments, CCJs, former bankrupts and active IVAs. Whilst we cannot guarantee an approval, we will do everything we can to secure car, bike or van finance that fits your budget.

To find out if you are eligible for finance you can apply on-line or call our team on 01926 498 434.

Q: If my credit rating is bad, will my interest rate be high
A: Maybe.

Generally speaking, the better your credit score the better the interest rate, however this doesn’t automatically mean bad credit = bad interest rate. If your credit problems are in the past or if there is a good explanation, we can work with you and our panel of lenders to try and secure an approval at a prime interest rate.

Q: Can I still get no deposit finance with poor credit history?
A: Yes

Whilst we can’t guarantee no deposit deals on all vehicles, it is still possible to buy a car, bike or van without an up-front deposit payment. 

Q: Are there any restrictions on what car I can buy?
A: Yes

If you have a good credit score we can quite literally finance any vehicle. Through our panel of prime lenders we can offer no deposit deals on balances between £1,000 and £60,000. We have additional lenders who cater for bigger balances, with no upper limit. We can finance classic cars, imports, insurance write-offs, high mileage vehicles and anything else you can think of. If you’re buying a commercial vehicle we can offer no deposit deals, including the VAT part of the purchase price!

Our sub-prime lenders do have some restrictions. There is a minimum loan amount of £2,000 and the car has to be less than 14 years old. At the time of posting this (2019) you’d need something newer than a 2005/55, that has covered no more than 119,999 miles.

So, if you’re looking for a no deposit deal on something like a 2010 Ford Mondeo with 50k miles on the clock, we still have plenty of options for you – even if your credit history isn’t great.