9am – 9pm / 7 Days
We pride ourselves on our unique
ability to give you an instant decision
when you apply for car finance with
Poor Credit Car Finance.

Bad Credit Car Finance

Bad credit car finance provides an invaluable lifeline for the responsible borrower. At poorcreditcarfinance.co.uk we believe in the importance of accessible and affordable car finance for bad credit applicants.

Car Finance Calculator

Your credit score is
  • Own your own home No defaults with a current mortgage On the electoral role several years No CCJ's Under employment Not applied for credit often
  • Long standing tenant or own your own home On the electoral role Credible employment history No CCJ's Missed a couple of payments on credit
  • Recently changed address Recently on electoral role Missed a couple of payments on credit Regular applications for credit Have old CCJ
  • Not traced on electoral role Changed address regularly Exceeded credit limitations Passed history has CCJ Missed payments on agreements
  • Not traced on electoral role Recent CCJ Over limit on credit cards Active debt management plan Been declined for credit recently
You want to borrow
Repay the loan over
Payment monthly 7500

Typical rate % APR*

Total cost of Credit:£
Total Payable:£
*for illustration purposes only
Apply Now No impact on your credit score

Can I Really Get Car Finance with Poor Credit?

On the High Street, poor credit car finance simply doesn’t exist. Applying for car finance with poor credit with traditional banks and lenders generally leads to disappointment. That’s why PoorCreditCarFinance.co.uk looks beyond the High Street, securing bad credit car finance from an extensive network of specialist lenders.

The way we see it, an imperfect credit history shouldn’t stand in the way of driving home your dream car. A welcome break from the norm, we specialise in guaranteed car finance for bad credit without judgement or discrimination. If you have been refused car finance in the past still get in touch for support. Use our exclusive bad credit car finance calculator to find out what’s on offer, or contact the team at PoorCreditCarFinance.co.uk for more information!

3 Simple Steps to the Car of Your Dreams!

We’ve built a flawless track record for going the mile for every customer we work with. If you’re looking for car finance with bad credit and want an instant decision, you’ve come to the right place!

With PoorCreditCarFinance.co.uk, you could be just three simple steps away from driving home the car of your dreams:

Get Approved


Complete the online application and we’ll get back to you with an initial decision immediately. No waiting around – your application for poor credit car finance will be processed as soon as it is received.

Find A Car

STEP 2 Find A Car

Browse thousands of quality new and used cars from approved dealers across the UK, finding your perfect vehicle at the perfect price.

Sign & Collect

STEP 3 Sign & Collect

Once you’ve made your decision, we’ll transfer the funds to the dealer within one working day and the car is yours to collect! At the end of the loan term, you’re the proud owner of the vehicle – no strings attached!

Affordable and Accessible Car Finance

We pride ourselves on the flexibility and accessibility of our services. No matter the type of vehicle you are after, whether you want a minibus for sale, a van or motorhome, we provide finance for any car. If you’d like to confirm your eligibility before going ahead, we can carry out a ‘soft’ credit check on your behalf. This will provide you with all the information you need to make your final decision, without leaving a mark on your credit report!

Want to
get in touch
or request a call back?
Click Here

What Our Customers Say

Don’t just take our word for it – check out what some of our satisfied customers have said about

  • Helpful and informative

    “From not knowing what car I wanted right through to getting accepted he was really helpful and informative. Good company to go with if your credit isn’t the best!”

    Ian Campbell

  • My advisor was perfect, 5 Stars

    “I have a less than perfect credit history. My advisor, was awesome. She made the procedure easy and kept me informed every step of the way. All done in 1 or 2 days if you have your IDs to hand… perfect 5*****.”

    Glen Johnson

  • Made my life so much easier

    “After pretty much giving up hope on getting finance for a car, a friend suggested the Poor Credit Car Finance site. After speaking to the fantastic Josh, he made the whole process hassle-free, easy to understand and was super-helpful.”

    Gary Randell

Ready to get the ball rolling?

Apply Now

Need advice or information?

Contact Us