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Bad Credit No Guarantor Car Finance

Save yourself the stress and worry that can come with applying for bad credit no guarantor car finance, and allow us to take over on your behalf. If you have bad credit, one of the most recommended ways to get a finance loan approved is through using a guarantor.

Rates from 10.9% APR. Representative APR 19.9%

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 Guarantor Car Finance

Bad Credit No Guarantor Car Finance

There are many situations where you might slip up on your credit score. An innocently missed payment sometimes happens and can result in a bad credit score. We’re busy people and we sometimes miss things. We get it. It’s nothing to be ashamed of, and it’s important to remember that any situation can always be made better.

Our Lenders

We have great relationships with a wide network of lenders and dealers who are specialist in bad credit 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 compare these lenders to find the best deal finance agreement that suit our customers.

Our Promise

We pledge to keep you updated on used Car Finance Agreements and 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.


The information on this page should not be treated as a replacement for expert financial advice to do with your personal unique situation, but more as preparation ahead of your application for Bad Credit car finance with no guarantor. 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 used car finance deal possible for your unique situation. Everyone is unique and needs a service tailored to their individual circumstances when applying for car finance, especially those with a bad credit history.

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.

No Guarantor

Regardless of where you’ve gone wrong in the past, if you need a car finance contract – which is to purchase a vehicle without paying the full value up front – then you deserve the best service available, and should be allowed access to the best deals within your unique circumstances. A guarantor is someone with a good credit rating who agrees to pay off your loan on behalf of you if you are unable to do so. This is usually a relative or a close friend. For a lot of people, it is not possible to secure a guarantor for obvious reasons. Being a guarantor is not the most appealing of situations, as you are agreeing to bind yourself within somebody else’s financial agreement for no benefit of your own, only the potential of losing money. A lot of guarantor requests are likely to be rejected.

If you have a bad credit history and are unable to secure a guarantor, don’t worry – getting a car finance loan is still possible!


It’s crucial that you exercise caution while involving yourself with a loan, regardless of your circumstances. You must have faith in your ability to make all payments on time, else you may struggle greatly in the future. There is assistance available if you are in any way having financial difficulties.

Always read the fine print when submitting an application, and if you are unclear of anything, consult a reliable source.

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're Here To Help!

Frequently Asked Questions

What Does Car Finance With No Guarantor Mean?

Car Finance without a guarantor means that you are solely responsible for your repayments over the term of the loan. They tend to be a lot more popular than guarantor loans as they give you the independence. From a car finance lenders point of view however, they don’t have a safety net so if you fail to make you repayments, they won’t get their money back.

How Does Car Finance Without A Guarantor Work?

Car finance with no guarantor is actually really simple, even more so than guarantor car finance as no one but you are involved making the process really easy. To get car finance without a guarantor you just need to fill in our application form, it is quick as possible for you. From there one of the Bad Credit Motor Finance team will be in touch to help find out your requirements. You will then be matched up with the most suitable lenders that offer car finance without a guarantor.

What Are The Criteria For Car Finance Without A Guarantor?

You must satisfy all of these conditions in order to be authorised for vehicle financing without a guarantor. being at least 18 years old and having spent at least three years in the UK Not currently bankrupt and able to demonstrate affordability

Additionally, you should have a valid UK driver’s licence and a rising credit score, regardless of the score, to increase your chances even further. While we can still get you accepted without these things, the number of lenders we can find for you will be fewer.

What Will A No Guarantor Motor Finance Loan With Bad Credit Mean For Me?

While it is possible to secure a car finance loan with no guarantor and bad credit, you can expect your interest rate to be higher. A lot of lenders will be apprehensive with bad credit customers, but here at Bad Credit Motor Finance, we have a wide network of trusted lenders who specialise in deals involving customers with bad credit.

How Do I Get The Best No Guarantor Motor Finance Loan For Me?

It’s crucial to be organised before submitting your application. You should be as honest and cooperative as you can be because your credit history will likely be thoroughly examined. Have records on hand, such as bank statements and pay stubs. Double check that all of your information is accurate and current because the software used to do the checks will detect errors. If you can, request recent credit reports from all the major agencies.

Additionally, it is advised that you make every effort to raise your credit score prior to making your application. Steps consist of:

  • Paying off any outstanding payments and making sure that future payments are made on time. This seems quite obvious, but is the quickest and most straightforward way to improve your credit score.
  • Register with the electoral roll. This will register your address and make it easier for checks to be made, making you a more financially trustworthy customer.
  • Distance yourself financially from any partners or associates who have bad credit.
  • You can pay a higher deposit up front at the beginning of the contract, making lenders more likely to approve the motor finance application. This will also make your monthly payments cheaper in the long run.
What Types Of Car Finance Are Available?

There are three main options for a car finance deal:

Pay off the car in monthly installments plus interest. You will hire the car during this period, and only fully own the car once its value is paid off.

This is similar to a HP deal, but you have three options at the end of the monthly payment period. You can pay the remaining sum, or “balloon” payment to claim full ownership of the vehicle, or you can return the car when the balloon payment is due. The third option is to part exchange the vehicle and begin a new PCP deal with a new car. The monthly payments are usually cheaper than a HP deal because of the balloon payment at the end.

  • Personal Loans

This is a type of loan that isn’t directly involved with the purchase of the vehicle. The lender will pay you the money to then purchase the vehicle. This may be less of an option as a customer with bad credit, as lenders aren’t directly affiliated with the purchase, so wouldn’t be able to immediately repossess the vehicle if payments were not made.