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How likely am I to be refused if I have a bad credit score?

Not everyone has a great credit score, but it doesn’t have to stop you from being able to buy a car. Our specialist broker works with a variety of lenders, and could help you to find a hire purchase loan that’s affordable and accessible, even with a bad or low credit score.

If you’re worried about a bad credit score affecting your chances of being accepted for finance, it’s important to remember that credit isn’t the only way that customers are assessed. Length of continuous employment and regular income are also important, and taken into account.

Even if you have a bad or low credit score, we can talk to our broker about finding you the right type of finance for your circumstances. They’ll then approach specialist low and bad credit lenders, who will perform a background check, and assess your financial circumstances and affordability.

More than 80% of the customers we put forward for a loan in this circumstance have their application accepted. To find out more about the types of finance that may appeal to those with a poor credit score, our guide What types of finance can I get with bad credit? explains your options in detail.

To find out how much a loan could cost to repay, and to better understand if this amount may fit into your budget, you can use our finance calculator to find out how much you might have to repay. Or fill in the car finance eligibility checker for a ‘soft search’ against our selection of available lenders. A ‘soft search’ isn’t set in stone, but it’s a good way to find out if finance may be available to you.

In the event of being turned down for a loan by our associated lenders, there are still options that may be available to you. These can include:

  • Your bank: You could arrange a meeting with your bank to discuss a personal loan to cover the cost of your car purchase.
  • Independently source a finance broker: You don’t have to stick with the lenders who work with us directly. If you were to source a finance broker independently, we could work with them to secure your loan.
  • Accommodation deal: In some circumstances, we may be able to arrange an accommodation deal, where the finance is taken out against someone else’s name on your behalf.

Being approved for finance isn’t only about your credit score. Our showroom advisors can talk you through your options. You can visit us in person at one of our locations.