Bad Credit

Here at we are fully aware that not everyone has a perfect credit score and many people we speak to have had some sort of financial difficulties in the past.
If you fall into this category then do not let this put you off applying with We have a panel of lenders who will look at customers who have had some historic or even recent problems, whether this is missed payments, defaults or CCJ’s. This doesn’t mean there isn’t someone out there to help you.

Something that will not come as to much of a surprise to you is that a lender who is willing to accept a customer who hasn’t had the best of credit histories will more than likely lend the money at a higher rate. This can sometimes put customers off, but as long as the monthly repayment fits into your monthly budget and you allow for a potential change of circumstances in the future, then car finance is certainly still a viable option.

How can you help with my bad credit score? will complete an income and expenditure section with you so we can ascertain what sort of budget you have to finance your next car.

When a lender makes a decision on a customer for a car finance application they consider various factors which include credit score, address history and income/affordability. On paper you may have lived at the same address for many years and be in a secure job with decent annual earnings – All looks good – but you may have missed some payments on a credit card within the last few months, or paid late on loan. It doesn’t sound a lot but even this could lead to some lenders who offer better interest rates not approving you.

We have been in this industry a long time and we feel customers with bad credit are in a better position now than ever before as there are more lenders in the market to help than there has ever been. believe everyone should be given a chance, of course we cannot help everyone we speak to, but we have relationships in place with finance lenders who give us a good chance of being able to help when it comes to bad credit car finance.

If you have previously been bankrupt, been in an IVA or missed on a hire purchase before, then do not feel you are alone and that nobody can help. Give a chance to look at your circumstances and try to match you to a company who will say ‘Yes’.

When a personal advisor speaks to you for the first time we ask that you be as honest as possible. Let us know all about any problems you may have had in the past or are still having – this then gives us a better chance of finding a lender for you. It is important to us that your budget allows for the monthly repayment on offer, and that you can afford to pay back the loan.

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We help people with:

  • Mortgage Arrears
  • Self Employed
  • Defaults
  • Rent Arrears
  • Benefits
  • CCJ’s


Don’t apply everywhere, learn what your credit file means


  • How quickly can the finance be completed?
    We will endeavour to come back to you within 1 hour with a decision from the point you make your online application. Once you are approved, we will ask you to locate the vehicle you are wishing to purchase. Once the vehicle is approved by the lender the quicker you return your documentation the quicker we can get you on the road!
  • Do you finance any vehicle? regularly help finance Cars, Vans, Caravans and Motorbikes. So we would like to think we cover a broad spectrum of vehicles.
  • Do you accept bad credit?
    Yes we do. A high portion of customers we speak to on a daily basis have experienced some sort of credit problems in the past. We have a large panel of lenders that help such customers so please get in touch and we will try our best to match you up to a finance lender.
  • Can I apply Online?
    Yes. You can either complete our short online application form or pick up the phone and we can complete the application online. We do like to speak to all of our customers, so once you have made your online application one of our experienced sales advisors will be in contact to talk you through the next steps.
  • What sort of deposit do I need?
    The deposit required can sometimes depend on the lender you have been accepted by. Not all lenders require a deposit, so you can finance the full amount, although some dealerships may ask you to put a small amount down to secure the vehicle before your finance is paid out. Remember, if you do not have a deposit, you will be borrowing a higher amount so will pay back more in interest.
  • What is the interest rate?
    The interest rate depends entirely on which lender you are accepted with and your credit history. To give you an idea, please refer to our finance calculator. A personal advisor will be able to discuss the rates available to you once we have had sight of your application.

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