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We understand that not everyone has the perfect credit record. Perhaps you haven’t had much credit before or have experienced problems in the past. However you could still be eligible for car finance. To help you, we work with a partner who have built an IT platform to help us understand the ideal lender for you, one that can give you the best rate of car finance for your circumstances. Even if you have a very poor credit history, they have finance partners who are happy to lend based on what you can afford now, rather than what may have happened in the past. Rather than encourage you to perform a full credit check, we’d rather help by starting with what’s called an application search, or ‘soft search’. This will give us a good idea whether we can source credit for you and what sort of rate we can get you. From there, if the package is right for you, then we can progress to a full credit application and have all this in place before you even step in to one of our dealerships, as long as that’s what you’d like. After all your new finance agreement needs to be on your terms.
‘Bad credit’ or a weak finance history doesn’t have to stop you getting car finance on a used car. There are many reasons why you may have struggled to get finance before, however our partner will assess your situation and find the best rate we can get for you. You may have missed payments in a prior finance agreement, recently gone through a bankruptcy order/IVA or have county court judgements (CCJs) against you. Our partner has a large panel of lenders, who can help customers finance their car if they have bad credit. We want to help you repair your credit file, so we’ll search out the lender who’ll give you the best rate of interest in your circumstances, not the one who pays us the most commission. Simply enter your information on the form below and we can give you a free instant decision as to whether we can source a finance acceptance for you.
If you’re just trying to understand the best options for someone who’s looking for car finance with bad credit, then you can start to help improve your credit file today. Consider these top tips:
To start your car finance journey with us simply fill in the short form below to perform an application search. Other lenders will not be able to see this search, but it will give you an indication of whether we can get a finance acceptance for you. You’ll get an instant decision and our finance specialists will be in touch within 24 hours to understand your needs and help you along the route to replacing your car on finance.
Please complete the form below and we'll have a decision back to you in seconds.
Unfortunately, our application check service has been unable to match your details, preventing us from providing an accurate estimate of your eligibility.
Please check your details on the form carefully, however, if you are still receiving this message after reviewing them, please call our contact centre on 0333 222 6599 to discuss your credit check application.
Our application check service thinks we can source you finance from one of our main finance companies, at our great low rates starting from 8.9% APR. The next step is to find a suitable car for you and source an acceptance for that vehicle. You can start searching now and our finance team will be in touch shortly to discuss the next steps.
Our application check service thinks we can source a finance acceptance for you. The next step is to find a suitable car for you and source an acceptance for that vehicle. You can start searching now and our finance team will be in touch shortly to discuss the next steps.
Our application check service thinks we can source a finance acceptance for you. The next step is to understand a bit more about how much you're looking to borrow and what type of car you’re looking for. Our finance team will be in touch shortly to discuss this with you.
It looks as though it is unlikely that we can source a finance acceptance for you. However if you think our system has misunderstood your credit history then please get in touch to talk this through with us.Search for cars in your budget