Bad Credit Car Finance

  • No Deposit
  • We help find you the perfect car
  • PCP and HP from 8.9% APR
  • Free car history and dealer quality check
Get a Quote Does not affect credit score
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If you have bad credit, car finance isn’t out of reach.

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, you can still 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.

We can even help you with tips to improve your credit score.

Representative Example: Borrow £7,000 with £1,000 deposit over 48 months with a representative APR of 17.9%, monthly payment would be £171.83, with a total cost of credit of £2,247.83 and a total amount payable of £8,247.83. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions this can either be a % of the amount borrowed or a flat fee. This does not influence the interest rate you’re offered in any way. CarMoney is a broker not a lender.



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We are bad credit specialists

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No jargon & no fees

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Keep your credit score unaffected

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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 hand-picked 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. It’s that 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.

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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 ninjas 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.

Your application for car finance could be approved within an hour!

Frequently Asked Questions

What is bad credit car finance?

Bad credit car finance is a type of car finance that is available to people with bad credit. This can include people with a low credit score, a history of late payments, or even no credit history at all.

How to get car finance with bad credit

When seeking car finance with a poor credit history, it is important to conduct research, obtain pre-approval, consider the option of a cosigner or a secured loan, explore different lenders, provide the necessary documentation, and be prepared for the likelihood of higher interest rates.

Can people with bad credit get car finance?

Yes, people with bad credit can get car finance. However, it may be more challenging, and you may have to pay higher interest rates.

Who is eligible for bad credit car finance?

The eligibility criteria for bad credit car finance vary from lender to lender. However, most lenders will look at your credit score, income, and employment history when deciding whether or not to approve you for a loan. You may also need to make a larger down payment than you would if you had good credit.

How it works
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Specialists in Bad Credit

We help people with bad credit get car loans, even if other lenders have rejected them.

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Extensive Lender Network

We work with many lenders, including those specialising in bad credit loans, so you have a better chance of getting approved.

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Tailored Solutions

Everyone’s financial situation is different, so our expert advisors will create a custom finance package to fit your needs and budget.

Join thousands of happy customers

Our customers love our CarMoney Ninjas

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CarMoney Ninja Sean

“Great service, Sean Davidson was great and was always trying to help and give me the easiest experience possible. Thank you very much Sean.”

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CarMoney Ninja Alan

“Alan, who I spoke with on the phone, was amazing! He sorted everything out for me, it was so easy and was able to get my car the very next day. Fantastic!”

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CarMoney Ninja Sophie

“Sophie who sorted my finance out for car was amazingly nothing was too much trouble for her always kept me up to date. Five stars Sophie. Thanks for everything”

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CarMoney Ninja Ellie

“My ninja from start to finish Ellie McGavin I Needed a car it was complete from picking to collecting within 2 days friendly staff great communication brilliant.”

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CarMoney Ninja James

“Excellent professional and courteous service nothing too much trouble James was thoroughly committed to helping me source my car”.

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CarMoney Ninja Frazer

“Frazer from car money made the experience of getting a car simple and easy. Would definitely recommend to family and friends. Thanks again CarMoney!”

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We Compare the best deals from over 20 lenders

CarMoney LIMITED is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activity and our registration number is 674094. Representative 17.9% APR. Over 18’s only. CarMoney IS A BROKER NOT A LENDER.

REGISTERED ADDRESS: Pioneer House, 2 Renshaw PL, Motherwell, ML1 4UF, Scotland.Company Number: SC467274.

All finance is subject to status and income. Written Quotation on request. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions.