What is a default?
A default is recorded when a lender closes a credit account after a period of missed or unpaid payments. Defaults are registered on your credit file and typically remain visible for several years.
While defaults can impact your ability to borrow, lenders often look at when the default occurred, whether it has been settled, and how your finances look today.
Can you get car finance with defaults?
Yes — some UK lenders will consider applications that include defaults, particularly where the defaults are older, settled, or your financial situation has improved since they occurred.
Lenders may also assess affordability, income stability, and recent payment behaviour rather than focusing solely on past defaults.
How BadCreditCarFinance can help
- Access to lenders experienced with defaulted credit accounts
- Applications assessed based on affordability and current circumstances
- We act as a credit broker, not a lender
- No obligation to proceed with any offer
Our role is to help identify which lenders may be suitable and to explain how your credit history may be viewed.
Apply today
Submitting a short enquiry allows us to review your situation and assess which lenders may be able to help.
There is no obligation, and applying will not affect your credit score.
Apply now