Bad credit car finance made simple

What is a bad credit score?

A bad credit score usually means lenders may view you as higher risk. This can be caused by missed payments, defaults, CCJs, IVAs, or having little or no credit history.

If you’ve been declined for car finance before, your credit score is often the reason — but that doesn’t mean car finance is impossible.

Can you get car finance with bad credit?

Some UK lenders consider applications from people with poor credit histories. These lenders often look beyond your credit score alone when assessing applications.

Factors such as stable income, affordability, and recent payment behaviour may be considered as part of an affordability and eligibility assessment.

We’re a credit broker, not a lender

We don’t provide finance directly. Instead, we work with a panel of UK finance providers who consider applications from people with bad credit.

Matched to suitable lenders

Each enquiry is reviewed and matched with lenders whose criteria best suit your individual situation.

No obligation to proceed

There’s no pressure to accept any offer. You remain in control and decide whether to move forward.

How to improve your credit score

Improving your credit score won’t happen overnight, but small, consistent changes can make a real difference over time.

• Make payments on time
• Reduce outstanding balances
• Check your credit report for errors
• Avoid making multiple credit applications

We regularly publish guides and advice to help people understand, manage, and rebuild their credit.

What counts as bad credit?

Understanding credit ratings and what lenders look for.

Car finance after a CCJ

What options may still be available.

How to rebuild your credit

Practical steps that actually make a difference.