What lenders look at (not just your credit score)
Our lenders take a broader view of your application, including:
Your income and affordability
Employment stability
Existing financial commitments
How much you want to borrow
Your overall financial picture
We can help if you have…
Many common credit issues won't stop you from getting car finance.
Missed payments
The occasional missed payment may still allow you to be approved.
Defaults
Older defaults could be considered by our specialist lenders.
CCJs
County Court Judgments may not mean automatic rejection.
IVAs
If your IVA is satisfied or you're making payments, we may be able to help.
Bankruptcy
Depending on when it was discharged, finance may still be possible.
Self-employed
We look at your income, not just your credit score.
Low credit score
A low score doesn't always mean you'll be declined.
Thin credit file
Limited credit history? We can still help you get approved.
We only work with FCA-regulated lenders
Our lending panel includes specialist lenders who are experienced in helping people with all types of credit backgrounds.
FCA regulated Secure & encrypted Your data is protected
How it works
Our simple process gives you real answers, not guesswork.
1
Check eligibility
Complete a quick form with basic details. This takes less than a minute.
2
Soft search
We'll check your eligibility with no impact on your credit score.
3
See your options
View real finance offers from our panel of specialist lenders.
4
Choose your car
Pick the car you love and drive away with confidence.
You're in good company
Every day, we help people with less-than-perfect credit get approved.
1,000+
Approved every month
4.8/5
Customer rating
95%
Would recommend us
60 seconds
Average eligibility check
Frequently asked questions
Quick answers to the most common questions about bad credit car finance.