A guide to bad credit car finance
People run into trouble and sometimes struggle with debts. In the past you may have found yourself missing payments or even getting into arrears on loans, you may have bad credit.
This may cause you difficulties when looking to buy a car on finance, some lenders won’t accept customers without a perfect credit score which is where the Car Firms Car Finance can help. The underwriters we work with understand not everyone has a perfect credit history, which is why we can help.
How to get car finance with bad credit
We offer car finance options that are available to customers with a wide range of credit histories which includes offering bad credit loans.
If you've had CCJs, mortgage arrears or late payments, you don't need to assume that your dream of buying a new vehicle is over.
This also applies if you are in a debt management plan or have an IVA, we might have a finance package that suits.
If you have been refused car finance elsewhere that doesn't mean we won't be able to help as we have a team of finance professionals who can help with “bad credit car finance”, which can also help repair your credit score.
How do we help if you are looking for Bad Credit Car Finance?
We always recommend that customers take a look at their credit profile to make sure that everything on there is correct and up to date. Most reports give tips that can help you to work on improving your credit history in the future.
We get to know you.
Discuss your credit history and look at budgets and monthly repayments for your new car.
We can explore deposits and no deposit car finance options.
Once we have approved an application, we provide a no obligation car finance quote. Each customer has their own dedicated personal advisor on hand too, and they'll help with any questions you may have.
If you’d like to get an estimate of repayments, take a look at our handy car finance calculator tool.
A number of our lenders specialise in providing poor credit car loan options, and the documents that they need from you can vary. Some will require the list below as a minimum
Self-employed customers often worry that the combination of this and having bad credit may mean that you can’t get approved for car finance. This is not necessarily the case as we do have lenders that can help people that are self-employed with bad credit to get a car loan, subject to approval.
You can choose your vehicle from any reputable UK dealership and you could be driving away within days.
A quick note to say thank you for all your help and great customer service. My new car is perfect. I would definitely recommend you to friends and family.
These guys deserve the five stars! Im very impressed by them! A problem arised with my car and they stuck to their word. They managed to sort out my problem within the same day!
Brought my first car today after passing my driving test last week! Brilliant service and mega help from the team at Car Firm, took the extra time to set up my insurance and road tax for me also! Thank you!
Amazing experience to have deals with Car Firm. I bought an old honda car for my father. My father is very happy driving this car as the condition of the car is very good.
Nice guys to work with. I have purchased an old car from Car Firm when I moved to UK for higher studies. The condition of the car is very fine and and worth for the money. I will recommend this firm to my friends for car deals.
I usually drive Audi Q3 as my father gifted it to me when I was 18 years. After marriage, I was thinking to buy a new one and big car for my family. I approached Carfirm to find the person who can buy my old car and give fair price. I met with Pat through them and sell my car at the price I was looking for.
So happy with my new purchase it’s an absolute dream. The guys at Car Firm are professionals and super friendly. Will be back soon for a upgrade.
Great and friendly service. Gave great details about the cars and what would be beneficial for your needs. Definitely recommend.
Due to lack of funds, I was not able to purchase car for my family. I heard about Car Firm and they helped me connect with the credit providers. I choose BMW for my family and got my first car in my life.
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