We require another months of address history.

Poor Credit Car Finance

  • No deposit options
  • No arrangement fees†
  • No obligation quote
  • All credit history’s welcome
Poor Credit Car Finance

Are You Looking for a Car Loan with Poor Credit?

Bad credit usually means that you have had problems managing debt in the past. Perhaps you may a few defaults or arrears - but having a bad credit score doesn’t mean that owning a vehicle is out of the question.

We have lots of experience obtaining car finance for people with poor credit. We work closely with some of the UK’s top lenders to compare deals and help you find the most competitive price possible.

We offer a tiered pricing structure for different credit histories - so that you can get the lowest rate possible and will not pay more due to market rates or commission-driven deals.


We’re bad credit car finance experts and we will search our panel of lenders for the best we can offer deal to suit your budget.

Can I Get a New Car with Poor Credit?

Yes, our panel of car finance companies are willing to take a view on poor credit and CCJs.

There are a number of ways that the terms of your agreement can be adjusted to suit those with poor credit histories.

Any car finance provider just wants to manage risk – and making small adjustments to the terms of your agreement may help this. This includes:

  • Paying a slightly higher rate each month
  • Paying a higher deposit
  • Part exchanging your existing vehicle that has some value

In addition, it may depend on whether your credit score is improving. If you have had defaults in the past, but are making amends and your credit score is on the up, topped with a stable income, you may certainly be eligible for a car loan.

We Work Hard for You

Quick Car Finance will do everything we can to find the best deal according to your circumstances and budget. We have access to over 48 different tiers of finance that are designed to meet all kinds of personal requirements.

We are on-hand to help you through every step of the journey. You can start by filling in a few basic details and getting an instant quote online – and once you have selected the best deal and have been approved, we can transfer the funds to your dealership (or one we recommend) within 24 to 48 hours.

What Car Finance Options Are Available for Poor Credit?

Personal Contract Purchase (PCP) – Make a deposit (minimum 10%) and make fixed monthly payments for 3 to 4 years depending on the term of agreement. You have the option to make a balloon payment at the end of the term if you wish to own the car outright. The larger your deposit, the smaller your monthly payments will be.

Hire Purchase (HP) – Make an initial deposit (minimum 10%) and then make monthly payments until you eventually own the car outright. This type of loan is ideal for making fixed monthly repayments, or if you want to own the vehicle outright at the end of the agreement.

Personal Loan – This is an unsecured loan between you and a lender and once it is approved, the money is transferred to the car dealer. Your eligibility and rates are based on your income, credit status and affordability – so those with poor credit may find this a little trickier.

No Deposit – We have a no deposit options available and this may require a part exchange of your existing vehicle or committing to higher monthly payments.


Poor Credit Car Finance – the FAQ’s You Want Answers To!

1.Can I Get a Car Loan with a CCJ?

Securing car finance with a CCJ is certainly possible, and we are here to help you. We will work with you to find a monthly repayment that is affordable and keeping to your monthly budget which is essential.

2. Will Applying for a Car Loan Affect My Credit Rating?

No. We only initially apply a “soft credit search” which does not affect your credit score. The soft search determines your personal quote and if you’re happy with it then we can go ahead and perform a full credit search. However, that’s when we can tell you if the loan is fully approved (subject to status).

3. What About If I’m Self-Employed – Can I Still Get Car Finance

Yes. Our panel consists of lending experts who are all very experienced in dealing with self-employed customers with bad credit ratings. However, if you are self-employed and you want car or other vehicle finance, we will ask to see three months of bank statements to show your income.

4. I Have Been Declared Bankrupt, Does That Mean You Can’t Help Me Get Car Finance?

This is more complicated and we cannot guarantee final acceptance of a car loan. However, if your bankruptcy is discharged we may be able to help you in some way.

How Do I Apply for Car Finance for Poor Credit?

Our entire application is 100% online and we require just a few basic details including the amount you would like to borrow and your monthly budget.

We will provide you with a list of instant results and quotes from our trusted partners.

If successful, we can transfer the funds to your dealership within 24 to 48 hours and you can be on the road with your new set of wheels in no-time.


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