Bad Credit Car Finance UK-Wide – Friendly help, even if your score isn’t perfect
Soft eligibility check — no impact on your credit score. We know life happens. We help drivers across England, Scotland, Wales and Northern Ireland with poor credit, CCJs, defaults and past missed payments find an affordable way back on the road.
Many people search for “guaranteed car finance”. Nothing is ever truly guaranteed, but we work with real people and specialist UK lenders who look beyond just a number on a screen.
No footprint
Same day
£0 – £500+
19.9% rep.
Representative example: Cash price £7,000, deposit £500; amount of credit £6,500; fixed rate 10.3% p.a.; term 48 months; total payable £8,340.12; monthly £173.75; Representative APR 19.9% (subject to status).
Who we can help with bad credit car finance
If your credit file isn’t perfect, you’re in the right place. We work with UK lenders who specialise in poor credit and sub-prime car finance and look at the bigger picture.
Credit history issues
CCJs / Defaults on file Missed or late payments Previous arrears Thin or limited credit historyIncome types
Employed & self-employed Zero-hour or variable income Agency or contract work Benefits consideredDeposit & vehicle
No / low deposit car finance Part-exchange considered Used cars & nearly new Flexible terms and mileageHow UK bad credit car finance works with us
We’ve kept the process as relaxed and straightforward as possible. Most people can do everything from their sofa on a phone or tablet.
- Start your application online – just a few basic details to begin.
- We review your profile and match you with specialist bad credit lenders on our UK panel.
- You send us your ID, proof of address and income (usually by photo or scan).
- Receive a decision – often the same day – with clear monthly payment information.
- Choose your car and arrange collection once everything is signed and funded.
There’s no pressure and no obligation. If the figures don’t feel right, you’re free to walk away.
Zero deposit & low deposit car finance
Looking for zero deposit car finance in the UK? In many cases, lenders may be able to offer £0 deposit, depending on your circumstances and vehicle choice.
- £0 – £500+ deposits considered, subject to status.
- Use your part-exchange towards any required deposit.
- Terms typically from 24 to 60 months, depending on your needs.
- Clear explanation of interest, monthly payments and total payable.
We can’t offer “guaranteed car finance”, but we will always be honest about your options and do our best to find something that works for you.
UK-wide bad credit car finance coverage
We help customers from all over the UK. Whether you live in a busy city or a quieter town, you can apply online and then simply arrange to collect your car once your finance is approved.
Don’t worry if your town isn’t listed – these are just examples. If you’re in the UK, you can apply online and we’ll let you know your options.
Bad credit car finance FAQs
A few of the questions we’re most often asked by people who are worried about their credit history.
- Will my application affect my credit score?
- We aim to start with a soft credit search wherever possible. This is visible to you on your report but doesn’t leave a footprint that other lenders can see or use in their decisions.
- Can I get car finance with CCJs or defaults in the UK?
- In many cases, yes. It’s always case-by-case, but we work with UK lenders who specialise in bad credit car finance and regularly see CCJs, defaults and missed payments.
- Do you offer guaranteed car finance?
- No responsible broker or dealer can promise guaranteed car finance. Every application has to pass affordability and lender checks. What we can promise is that we’ll treat you fairly, explain your options clearly and never pressure you into a decision.
- Can I get zero deposit car finance?
- Zero deposit car finance may be available depending on your circumstances and the vehicle you choose. Where a £0 deposit isn’t possible, low deposit options or using a part-exchange can often help.
- What documents will I need?
- You’ll usually need photo ID (such as a driving licence), proof of address (utility bill or bank statement) and proof of income (payslips, bank statements or online banking screenshots).
- How fast can I get a decision?
- Most UK applications receive an update the same day, sometimes within a few hours, once we have your information and documents.
- Do you only help locally?
- No — we provide UK-wide bad credit car finance. Many customers complete everything online, then travel to collect their car once approved and ready.
If you’re nervous about applying, you’re not the only one. Start your no-obligation application online and we’ll talk you through things step by step.