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MINI Finance

Interested in buying a Mini but worried about your credit score? Considering Mini finance deals but unsure whether you’re eligible? With PoorCreditCarFinance, even the most chequered credit report needn’t be an obstacle. Use our exclusive Mini finance calculator to explore the available options, after which we’ll get to work finding your ideal Mini finance solution from a panel of specialist lenders.

MINI 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

MINI Bad Credit Car Finance

Owning a new or approved second-hand Mini can be an absolute joy. Nevertheless, the most outstanding Minis on the market are known to pack a premium price. There’s always the option to finance a mini, but what if your credit score simply isn’t up to scratch?

The answer – simply contact PoorCreditCarFinance to discuss your perfect Mini Cooper finance deal! PoorCreditCarFinance was established to help responsible motorists with imperfect credit scores access unbeatable deals on their dream cars. Whether you’re on the lookout for the latest new Mini or a quality used Mini from an approved dealership, we simplify all aspects of buying a Mini on finance. From reliable family run-arounds to the most advanced Mini sports coupes, owning a magnificent Mini can be surprisingly affordable.

Our Mini finance calculator can be useful for gaining an overview of the options available. Establish your budget and your preferred repayment period, before submitting your application. We work with an extensive panel of specialist lenders to minimise interest rates and borrowing costs, providing access to exclusive deals unavailable elsewhere. Particularly for poor credit applicants, our Mini and Mini Cooper finance deals are unbeatable.

You’ll be provided with an initial response in minutes and there’s no additional risk to your credit score. In the unlikely event that your application is unsuccessful, it will not be recorded on your credit history. Just as long as you can comfortably afford the repayments, your application is almost guaranteed to be successful.

Head over to our innovative Mini finance calculator for a broad overview of the options available. Alternatively, contact a member of the team at PoorCreditCarFinance anytime to discuss your requirements in more detail. We’re standing by to take your call.

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 a car finance bad credit 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!

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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?

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