Tailor your Payments To Suit Your Budget

Used Car Finance Made Simple

One of life’s big purchases is a new car. Whether it’s your first-ever set of wheels or just a change on your current vehicle, it’s always exciting. But in all the excitement, it’s essential to make sure you’re making the right choices.

Rates from 10.9% APR. Representative APR 19.9%

Bad Credit Used 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.

Used Car Finance

Used Car Finance

 The allure of a fresh new car can make you jump the gun and miss some fine prints that may cause you issues in the future. One detail that requires focus is the method of payment, which can be equally as important as the choice of vehicle. The most popular method of purchase on both used and brand new cars is through a finance option.

Our Lenders

We have great relationships with a wide network of lenders and dealers who are specialist in bad credit used 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 for, what would be, a bad credit used car finance agreement for the customer.

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 Used 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 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.

Credit Ratings

Typically, customers with bad 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 Used 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

Finance Options To suit you!

What Finance Options Are Available?

Personal Loan

A personal loan is a form of financing that isn’t specifically related to your car; instead, it’s a sum of money that you transfer to cover the cost of the car upfront and repay to the lender over a predetermined time frame. Since there is no direct connection between the loan and the car, if you don’t make payments, the lenders can’t immediately seize the car. They may, however, explore additional legal options.

Hire Purchase

A HP loan means to hire the vehicle and pay it off in monthly instalments. Once all of the payments have been made, you will then own the vehicle. A deposit of usually 10% is required unless you pursue a no deposit motor finance deal.

Failure to pay the installments on time will result in the repossession of the vehicle.

Refer to our Bad Credit HP Car Finance Page for more information and great rates. 

Personal Contract Purchase (PCP)

A PCP deal is similar to a HP deal in that you hire the car for the duration of the payments made, but once the period ends, you have three choices:

  • You can pay off the remaining lump sum known as a “balloon” payment and claim ownership of the vehicle.
  • You can return the vehicle once the balloon payment is due.
  • You can part exchange the vehicle and begin a new PCP deal with a new vehicle.

The monthly payments in a PCP deal are usually cheaper than a HP deal because of the balloon payment that contains a significant amount of the value. Because there is a chance that you may not own the vehicle in the future, there is usually a mileage cap in place for the duration of the loan so that the car maintains its resale value.

It is crucial that you submit an application for the financial choice that best fits your situation. For amazing rates on personal contract purchase vehicle financing, see our bad credit PCP car finance page.

Personal Loan

With a personal loan, the car is immediately yours. This implies that you are free to purchase your vehicle from any dealer, including a private dealer.

If your credit score is really poor, it could be more difficult for you to get a personal loan. This is because it is an unsecured loan and the car is yours from the beginning of the deal. This requires more trust from a lender.

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.

Guarantor Loan

A friend or relative who would be able to make the payment on your behalf if you were unable to for any reason is required for a guarantor loan. This is a better scenario for the lender when working with a client who has poor credit. This is as a result of the lender having more faith that the fee would be paid promptly. This form of loan must be handled with extreme caution since, if the payment is not made on time, both the borrower and their guarantor may be subject to legal action.