Bad Credit Car Finance

  • Bad credit car finance loans from 27% APR
  • 100% unbiased car finance deals
  • No hidden fees
  • Free check, no mark on credit rating
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Does not affect credit score
HP Finance
Estimate your credit score and how much you'll pay based on the amount you want to borrow.
PCP Finance
PCP consists of paying an initial deposit, followed by monthly payments.

Representative Example: Borrow £7,000 with £1,000 deposit over 48 months with a representative APR of 14.9%, monthly payment would be £163.87, with a total cost of credit of £1,865.76 and a total amount payable of £7,865.76.

CarMoney is a broker not a lender

Bad Credit Car Finance

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Is Car Finance With Bad Credit Possible?

With CarMoney, the simple answer is yes! Having a bad credit score doesn’t mean that you can’t get car financing. Think of it as a speed bump rather than a dead end. At CarMoney we are keen to get you behind the wheel of the car you deserve, regardless of your credit score. Our bad credit car finance service is the first step to owning a new car.

Whether you’ve missed or made late payments, held mortgage arrears or CCJ's, there is still opportunity for you to be accepted for car finance. Being refused car finance in the past could be down to numerous reasons including being self-employed or even for due to a person having no credit history at all.

So don’t let a bad credit score get in the way of you getting behind the wheel of a new car. Car finance for bad credit ratings is possible with CarMoney, and our team of highly experienced ninjas are keen to get you on the road.

If you want help with improving your credit score, we can help! Have a quick read of our helpful tips guide to getting Car Finance with Bad Credit | CarMoney.

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Our Bad Credit Car Finance Deals

With our fast, impartial and straightforward service, we can find car finance for bad credit ratings from a variety of leading lenders. Our carefully hand-picked market leading lenders provide car finance for a range of different credit needs.

As bad credit car finance specialists, we can help you find the lenders that are most likely to accept your application for car finance despite a bad credit rating. Not only that, but we’ll help you discover which of these lenders give you the best rates. Tell us about yourself so we can assess your eligibility, and then we’ll go find you the best lender with a low car finance rate. Simple!

Once you find a lender that is happy with you, and you’re happy with them and their car finance rates, all that is left to do is pick up your brand new car! All thanks to our fantastic bad credit car finance service.

We know financing a car can be confusing, so we are full of guides to help break down all that jargon!

How does Car Financing Work? | CarMoney

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Why Choose CarMoney’s Bad Credit Car Finance Service

At CarMoney, we strive to get you in the fast lane to owning a brand new car with our car finance deals. And we feel that these great deals should be on offer to everyone. Our bad credit car finance caters for those with poor credit ratings, and helps them find the very best offers.

Our highly experienced team have helped numerous applicants with varying credit scores to drive away with the best car finance rates. We stand by our impartial, simple and transparent bad credit car finance service.

Test drive our online car finance calculator and no obligation application form and discover how much car finance for bad credit you could receive.

FAQs Bad Credit

Q: What is Bad Credit?

A: Bad credit is simply when you have a history of not paying bills, or perhaps you have not had time to build up a substantial credit score. 

Your credit score consists of five main factors:

  1. Payment history
  2. Total amount owed 
  3. Length of credit history
  4. Types of credit
  5. New credit

Q: What Documents will I need?

A: You will need a few things to hand when completing an application:

Licence: You will need to at least have a provisional/full UK licence on hand in order to make an application. 
Employment status: If you are employed, you will be required to submit payslips from the last 3 months (sometimes more depending on the lender).
Residency: You will need to have proof of address, some kind of utility bill, or a formal document that has your name and address on it. Make sure you send the entire doc, not just the address.
Passport: You will need a form of photo ID that isn’t a driver's licence, usually a passport.

We compare the best deals from over 20 lenders

  • BNP Paribas
  • Alphera
  • Blue Motor Finance