You may still be able to get car finance with bad credit. Use our calculator below to see what your monthly payments could look like before you apply.
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Representative example – Total amount of credit £10,500, annual interest rate 18.25% (fixed), charge for credit £9,886.25 (£9,581.25 interest, £295 admin fee and £10 option to purchase fee), total amount payable £20,386.25. Loan term of 60 monthly instalments, 59 payments of £339.60 and 1 final instalment of £349.60. 34.5% Representative APR – Subject to status and affordability.
Yes, you may still be able to get car finance with bad credit. A low credit score, missed payments, defaults or County Court Judgments (CCJs) do not always mean you will be refused.
When you apply on our website, you apply direct with Go Car Credit. We start with a soft search that does not leave a mark on your credit file. A hard search is only carried out if you choose to go ahead.
We look at more than your credit history. We also look at your income, your spending and whether the payments fit your budget.
You may not need a deposit. If you can pay one, it may lower the amount you need to borrow. Rates are often higher for people with poorer credit, so it is important to make sure the payments are manageable.
Approval is never guaranteed. We look at each application on its own facts and whether the repayments are right for you.
This type of lending is not usually suitable for customers with good or excellent credit, who may qualify for lower rates through mainstream lenders. If that sounds more like your situation, see our Fair Credit Car Finance guide.
Your application is handled by Go Car Credit when you apply on our website.
We begin with a soft search, so you can start without leaving a mark on your credit file.
Some customers may be able to apply without paying a deposit first.
We look at your income and spending, not just your credit score.
We explain each step clearly so you know what happens next.
Applying direct means you deal with Go Car Credit from the start, rather than going through a broker or lender panel.
Many customers also like being able to follow their progress with our Application Tracker, which gives real-time updates on their application status.
Car finance for bad credit is for people who may find it harder to borrow because of their credit history. This can include missed payments, defaults, CCJs or a low credit score.
Instead of paying for the car in full, you spread the cost in monthly payments. Approval depends on your situation and whether the payments are affordable for you.
Rates are often higher for people with poorer credit. If you have a stronger credit history, you may find lower rates elsewhere.
We do not look only at your credit score. We also look at whether the payments are likely to be affordable for you now.
This helps us make a fairer decision.
There is no guaranteed way to be approved. These steps may help:
Complete our online application form when you are ready. It is simple to follow and takes less than 2 minutes to complete.
We start with a soft search, which does not affect your credit score. A hard search is only completed if you decide to proceed.
We look at your income, spending and overall situation to see whether the agreement looks affordable for you.
Our Application Tracker gives real-time updates, so you can see where your application is up to.
If we may be able to help, our team will talk you through what happens next and what information is needed. Support is available throughout the process.
If approved, you can move forward with a vehicle that fits the lender criteria and your budget.
Once everything is in place, you can complete the agreement and prepare to collect your car.
We aim to review applications as quickly as possible. In some cases, we may need more information before a decision can be made.
If you have found it hard to borrow elsewhere, car finance with bad credit may still be possible. We look at your current situation and whether the payments fit your budget.
If you get benefits, car finance on benefits may still be possible. We can look at some benefits as part of your income. This can include certain support payments, depending on your circumstances.
If you do not have savings for a deposit, no deposit car finance may still be possible in some cases.
With direct lender car finance, Go Car Credit handles your application. Some customers prefer this because the process can feel simpler and clearer, with no broker in the middle.
Hire Purchase car finance is a simple way to spread the cost of a car. You make fixed monthly payments, and the car becomes yours when the agreement ends.
If you are self employed, self employed car finance may still be possible. We look at your income and your budget, even if your income changes from month to month.
Joint car finance lets two people who live together apply as a pair. This may help if you want to share the payments, and in some cases it may improve the options available.
If you have CCJs on your credit file, CCJ car finance may still be possible. We know financial setbacks can happen, so we look at your current position and whether the payments are affordable.
We work with people who may have found it hard to get approved elsewhere.
You apply with us on our website, so there is no broker in the middle.
We start with a soft search, which does not leave a mark on your credit file.
We explain the checks, the steps and the costs as clearly as we can. All terms and costs are agreed upfront, with no hidden fees.
Our team is here to guide you through the process if you decide to move forward.
Many people have secured car finance through us. You can read about their experiences in our Trustpilot reviews.
We lend responsibly. We look at your situation before we make a decision.
We want the agreement to be right for you. We also want the process to be clear from the start.
Go Car Credit is authorised and regulated by the Financial Conduct Authority (FCA).
We are also a member of the Finance & Leasing Association (FLA) and registered with the Information Commissioner’s Office (ICO).
Before you apply, it may help to check the main points we look for.
Meeting these points does not guarantee approval, but it may help you decide whether to apply.
Yes, you may still be able to get car finance with bad credit. We look at your income, your spending and whether the payments are affordable.
No. Responsible lenders need to carry out checks. We start with a soft search first. A hard search is only done if you choose to go ahead.
There is no single score that guarantees approval. We look at your full situation, not just one number.
Yes, no deposit may be possible in some cases, depending on your circumstances.
Yes, you may still be able to apply. We can look at some benefits as part of your income.
How much you may be able to borrow depends on your circumstances and affordability. You can use our car finance calculator to get an idea of the monthly payments first.
We commonly offer Hire Purchase car finance. This lets you spread the cost with fixed monthly payments. When the agreement ends, the car becomes yours.
You can apply direct on our website using our online application form.
Being refused elsewhere does not always mean you have no options. We look at more than your credit score and consider your income, spending and whether the repayments are affordable.
No, we do not offer guarantor finance. We do, however, help many customers who have had problems getting finance in the past.
There are some vehicle rules, such as age and mileage limits. If approved, we can help you understand which cars fit the lender criteria.
Rates are often higher because lending to people with poorer credit can carry more risk.
We would suggest you think about the costs associated with your choice of car such as fuel, insurance, tax, MOT, servicing and maintenance costs, as these will all have an influence on the affordability of the vehicle. The finance is secured on the vehicle, so if you don’t keep up with the monthly repayments, Go Car Credit can repossess the car. Failure to make payments can also affect your credit report.
