You’re not alone – and you still have options. In the next few minutes, you’ll see exactly how our bad credit car finance plans work, why they differ from mainstream offers, and how to apply with zero pressure and full support.
Our flexible and fair bad credit car loan solutions could help you get on the road, regardless of your credit history. We specialise in assisting those who find it difficult to secure vehicle finance, and our approach looks beyond just a credit score to give you a fair chance.
Founded in September 2017, Go Car Credit has helped over 30,000 people obtain car finance with bad credit, as of April 2025.
Representative example – Total amount of credit £10,000, annual interest rate 18.25% (fixed), charge for credit £9,430 (£9,125 interest, £295 admin fee and £10 option to purchase fee), total amount payable £19,430. Loan term of 60 monthly instalments, 59 payments of £323.67 and 1 final instalment of £333.47. 36.1% Representative APR – Subject to status and affordability
Looking for a broader overview of all our lending products? Visit our main car finance for bad credit page.
You are welcome to apply if you:
We consider applications involving CCJs, defaults, self employment or limited credit history.
We can consider active IVA’s too, we just need confirmation from the practitioner that it is ok to proceed.
No lender can offer unconditional approval; every application must pass affordability and identity checks.
“I would definitely recommend Go Car Credit because they treat you like a person and not just a customer. I’d especially recommend if someone has bad credit.”
Click Apply Now to begin your application. You could receive a decision today and be driving within days.
Will a lender check my credit?
Yes. We begin with a soft search so your score is unaffected. A hard search happens only if you proceed.
Can I get finance with very bad credit?
Possibly. We look at your income, spending and current situation, not just the score.
Why supply income and spending details?
It shows your real disposable income and keeps repayments affordable.
Can you guarantee approval?
No responsible lender can guarantee approval before reviewing your details.
Lowest credit score accepted?
There is no single number. Each lender has its own criteria.
Will applying hurt my score?
One hard check may cause a small, temporary dip. Soft checks do not affect it.
How fast can I get my car?
Often within a few days once you’re approved and the dealer prepares the vehicle.
Is the interest rate fixed?
Yes. Your APR is fixed for the life of the agreement.
Can I repay early?
Yes. You may settle early and save on interest—ask us for a settlement figure.