What Lenders Consider
Current income
Why It Matters
Demonstrates affordability.
Specialist Bad Credit Car Finance
You could find car finance even if you have a poor credit history.
Representative 21.6% APR. (Fixed).
Bad Credit Motor Finance is a credit broker, not a lender
Instant Online Decision
Our Online form takes less than 60 seconds to apply & the decision is instant, we will contact you.
£0 Deposit options
If you are approved, we may have £0 deposit options available for you, depending on your circumstances.
free history checks
We will conduct a free history & value checks on your behalf to ensure the car is fit for purpose
Why use a credit broker?
If you’ve been refused car finance before or you’re worried your credit history will hold you back, you may feel like your options are limited. The good news is that a poor credit history doesn’t automatically mean you’ll be declined.
At Bad Credit Motor Finance, we specialise in helping people whose circumstances don’t always fit the criteria of mainstream lenders. Whether you’ve experienced missed payments, defaults, CCJs, an IVA, bankruptcy or simply have a low credit score, we’ll take the time to understand your situation before trying to match your application with specialist UK lenders.
Your application takes around 60 seconds to complete and begins with a soft credit search, allowing us to review your circumstances without affecting your credit score. A full credit search will be carried out should you choose to proceed. Using a credit broker means you have access to all the lenders on our panel rather than just one, saving you time.
Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Bad Credit Motor Finance is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.
OUR LENDER PANEL
Working with UK lenders
We work with a panel of lenders to help match different credit solutions with
suitable motor finance options.
Can you get car finance with bad credit ?
Many people assume that adverse credit automatically rules them out of getting car finance. In reality, every lender has their own approach to assessing applications, which means one person’s circumstances may be viewed differently from anothers.
Depending on your individual situation, finance may still be available if you’ve experienced:
County Court Judgments (CCJs)
Defaults
Missed or late payments
Debt management plans (DMPs)
individual voluntary arrangements (iVAs)
Previous bankruptcy
Low credit scores
Limited credit history
Good to know
While approval can never be guaranteed,
having a poor credit history doesn’t
always prevent you from applying for finance.
How do specialist lenders assess
your application?
Your credit history forms part of the decision-making process, but it rarely tells the whole story.
Before making a lending decision, many specialist lenders will also consider your current financial circumstances to understand whether the proposed repayments are affordable today.
What Lenders Consider
Employment status
Why It Matters
Helps evidence financial stability.
What Lenders Consider
Monthly commitments
Why It Matters
Shows how comfortably repayments may fit within your budget.
What Lenders Consider
Time at your current address
Why It Matters
Can indicate stability.
What Lenders Consider
Deposit available
Why It Matters
May improve the finance options available in some circumstances.
What Lenders Consider
Recent payment history
Why It Matters
Helps demonstrate how your finances are being managed today.
Every lender has different acceptance criteria, which is why two finance companies may assess the same application differently.
BAD CREDIT FINANCE CALCULATOR
See what could be possible before you apply
no obligation
quick estimate
simple to use
Rates from 10.9% APR. Representative 21.6% APR (fixed).
Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Bad Credit Motor Finance is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.
Looking for finance in a specific situation?
Everyone’s circumstances are different. If you’re looking for advice tailored to your situation, explore one of our specialist guides below.
Representative Example (Hire Purchase): Borrow £6,000 with £0 deposit over 60 months with a representative 21.6% APR (fixed). 60 monthly payments of £157.92. Final Option to Purchase Fee: £10. Total cost of credit: £3,485.20. Total amount payable: £9,485.20. Bad Credit Motor Finance is a credit broker, not a lender. This is an example only; all finance is subject to status. Lender fees may apply.
REAL EXAMPLES VEHICLES
FIND YOUR NEXT CAR
Swipe through example cars and click any vehicle to view an example finance breakdown.
Your options will depend on your circumstances, lender decision and vehicle availability.
POLO
Volkswagen Polo
Reliable, compact and easy to live with, ideal for commuting and first-time finance buyers.
2017
HP Finance
FIESTA
Ford Fiesta
Compact, effcient and easy to drive, ideal for commuting and everyday use
2017
HP Finance
1 SERIES
BMW 1 Series
A premium hatchback with sharp styling, strong comfort and a refined everyday driving feel.
2017
HP Finance
KUGA
Ford Kuga
A practical family SUV with good space, comfort and everyday usability.
2017
HP Finance
JUKE
Nissan Juke
A smaller, stylish family SUV available as petrol or hybrid.
2018
HP Finance
ESTABLISHED IN 2019
We find finance solutions that fit real life
Bad Credit Motor Finance helps people who may struggle to obtain credit find a route into their next vehicle. Our goal is to make the process clear, calm, and hassle-free from quote to collection.
We make bad credit car finance
a simple process
1. Fill in details
Apply in just 60 seconds for an initial decision or click here to begin the process.
2. We find your ideal car
We find your perfect used car. You may have a specific make or model in mind. We will do the hard work for you.
3. We source your finance
We sort this for you, working with a panel of approved lenders to find a repayment plan that suits your needs and budget. We will carry out relevant checks and keep you informed every step of the way.
Representative 21.6% APR. (Fixed).
Bad Credit Motor Finance is a credit broker, not a lender
Why apply through Bad Credit Motor Finance?
If you’ve been declined before, choosing the right lender can be just as important as your credit history.
Rather than applying to multiple finance companies and hoping for the best, we take the time to understand your circumstances before matching your application with specialist UK lenders whose criteria may be more suitable.
Our aim is simple: to make finding suitable car finance as straightforward and stress-free as possible.
When you apply with Bad Credit Motor Finance you'll benefit from:
A soft credit search to begin your application (a full search will be carried out should you choose to proceed)
Access to a panel of specialist UK lenders
An online application completed in around 60 seconds
Support for employed and self-employed applicants
Finance options via our broker service which gives you access to our approved dealer network
Friendly UK-based support throughout your application
Ready to take the next step?
Having bad credit doesn’t automatically mean your search for car finance has to end before it’s begun.
Complete our online application today and we’ll take the time to understand your circumstances before matching you with specialist lenders whose criteria may be appropriate for your situation.
Your application starts with a soft credit search, takes around 60 seconds to complete and comes with no obligation to proceed. It’s a simple way to understand what finance options could be available before making your next decision.