Tailor your Payments To Suit Your Budget

Bad Credit No Deposit Car Finance

Looking for a bad credit no deposit car finance deal?

Purchasing a car can be expensive and stressful, and it can be challenging to gather the money for a deposit. With a no-deposit car finance plan, you may be able to purchase a car without having to pay the full amount upfront because you will be making monthly payments instead. The lender can then be paid back over a number of years. More information can be found below.

Rates from 10.9% APR. Representative APR 19.9%

Bad Credit No Deposit Car Finance

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.

No Deposit Car Finance

Untangling Bad Credit No Car Finance

The old-fashioned method of purchasing a car involves obtaining car finance from the same place where you purchase the vehicle. You may not always get the finest car finance deal by doing this though. If you obtain financing from Bad Credit Motor Finance initially, you are purchasing your car from a position of strength because you are aware of your financial situation.

Our Lenders

We have great relationships with a wide network of lenders and dealers who specialise in bad credit no deposit car finance. While we have great relationships with many trusted companies, we also want to make it very clear that there is no favouritism between any of our contacts. And our sole purpose is to try and compare these lenders to find the best deal for a bad credit no deposit car finance agreement for the customer.

Our Promise

We pledge to keep you updated on Bad Credit No Deposit Car Finance Agreements and attempt to help you with the purchase at every turn.

Even if you have bad credit, we will make every effort to secure the best prices for you.


You should not treat the information on this page as a replacement for expert financial advice to do with your personal unique situation, but more as preparation ahead of your bad credit no deposit car finance application. You can get more information from a Credit Reference Agency if you want to find out more.

Data Protection

Here at Bad Credit Motor Finance, we are here to secure the best bad credit no deposit car finance deal possible for your unique situation.  We understand that everyone is unique and we need to tailor to their individual circumstances when they apply for a bad credit car loan through us.

Since we are independent brokers, we can access a large network of lenders to get the best rates for you. Simply click ‘Quick Apply’ and fill out our free calculator with your information so we can find the best quotations for your consideration. Of course, your information will be fully protected.

Credit Ratings

Typically, customers with poorer credit pay higher interest rates. Nevertheless, depending on your specific situation, it’s not impossible to get a terrific deal on a new car. Start the deal off with a percentage deposit. The greater the deposit, the lower the monthly finance rate you will pay. Along with Bad Credit No deposit Car Finance, there are different kinds of packages available. It is crucial that you apply for the finest financing option available to you.

Hassle Free

Our Bad Credit Finance Calculator

If you require a rough estimate of your entitlement and payments, you may wish to use our Finance Calculator, it is simple to use and takes less than a minute.

Rates from 10.9% APR. Representative APR 19.9% Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a representative APR of 19.9%, the monthly payment would be £182.26, with a total cost of credit of £2,748.61 and a total amount payable of £8,748.61. Car Loans UK is a broker not a lender. This is an example only, all finance subject to status. Lender fees may apply

We are Here To Help!

Frequently Asked Questions

Does A No Deposit Car Finance Mean A Longer Decision Process?

No, at Bad Credit Motor Finance we can come back to you in as little as two hours and If you need to secure the finance for a car quickly, we could help. Even if your case of bad credit is more complicated, we aim to get back to everyone within 24 hours of application. It will not be a very long wait at all for you to find out whether or not you have been approved for a no deposit car finance deal.

How Do I Qualify For A No Deposit Motor Finance Contract With Bad Credit?

Some lenders will see applications for bad credit no deposit car financing as a lending risk since they are unsure if you will make your payments on time.

It is recommended you get a credit check before moving forward with your application in order to identify any areas where you could improve and to help you put in good standing with more lenders. Your credit score will have a significant impact on the interest rates that you must pay in addition to the value of your car. At Bad Motor Finance we aim to compare the best rates for you.

If you feel your credit score needs improving, there are many resources to help you. The best examples can be found on credit reference agency sites

When you make an application for bad credit no deposit finance, you will also be required to pass an affordability test where you will be asked to provide documents such as payslips or bank statements as proof.

We will perform a soft credit check to see what your rates could be, but the lenders will perform a hard credit check on you to see if you will be approved for you car finance deal.

What Happens If  Lenders Elsewhere Have Refused Me For A No Deposit Finance Deal?

If another company has refused you for a no deposit car finance application, it is probably because they have not had the capabilities to help you. Arranging car finance for people with poor credit or who are self-employed can be hard and not every lender is equipped to deal with it. But at Bad Credit Motor Finance we do know how to put together the perfect no deposit car finance deal and we may be able to help you even if somewhere else refused you.

How Do I Apply For No Deposit Car Finance?

Applying for no deposit car financing is incredibly simple at Bad Credit Motor Finance. Simply click the ‘Quick Apply’ button, complete the short online application, and let us know how much you want to borrow and how long you want the payback period to last.

Will The Monthly Payments Be Higher With A No Deposit Car Finance Deal?

You might think that a no deposit car finance deal is going to have higher monthly payments, but you will actually find them quite affordable. They can easily be fit into your monthly budget like any car finance payment would.

How Can I compare No Deposit Motor Finance Options?

If you need car finance with bad credit and no deposit. You will be pleased to hear that there are three main types of finance that can offer no deposit options. These Options are Hire Purchase (HP), Personal Contract Purchase (PCP), and Personal Loan. Moreover, when choosing which type of deal to go for, make sure that it’s right for you and your financial circumstances. Interest rates also apply to all finance options.

Is There Anything Else That Can Influence My Finance Options?

The sort of car you are looking to buy is another factor that ought to influence your choice. More fuel will be consumed by stronger engines, and insurance costs will rise as a result of the higher cost of the parts in the event that they need repair or maintenance. Road tax will cost more because it depends on the type of fuel and how much CO2 it emits. Higher performance vehicles are also more likely to be stolen.