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Bad Credit Car Finance – Your Practical Guide

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Rates from 24% APR
36.1% Representative APR -
Subject to status and affordability

APR Explained

Finding it hard to get a car loan because of past credit problems?

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.

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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

What Makes Our Bad Credit Deals Stand Out

  • Current affordability focus – we look at your income and outgoings today; past issues influence the rate, not the decision itself.
  • Rapid responses – apply in three minutes; many customers receive a provisional answer the same day.
  • Tailored repayments – choose a term that produces payments you can comfortably afford.
  • No guarantor required – decisions are based on your own profile and affordability checks.
  • Specialist approvals – we frequently help applicants turned away by mainstream banks.
  • Human support – our dedicated advisers are available via phone or email.

Looking for a broader overview of all our lending products? Visit our main car finance for bad credit page.

How the Process Works

  • 1. Apply online – a short form asks for basic personal and income details.
  • 2. Get a decision – we run a soft credit search first and tell you how much you could borrow.
  • 3. Choose your car – select a vehicle from any reputable UK dealership; we can suggest trusted partners if needed.
  • 4. Sign & collect – sign the paperwork electronically, we pay the dealer, and you collect the car.
Bad credit car finance process visualized with symbols for credit check, percentage rates, online application, and approval with supportive characters.

Who We Can Help

You are welcome to apply if you:

  • Are 21 + and live in the UK.
  • Hold a full UK driving licence.
  • Receive a regular income (wages, pension or qualifying benefits).
  • Are not in an active bankruptcy.

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.

Five Ways to Improve Your Chances

  • 1. Check your credit file – fix errors and add a short “notice of correction” if needed.
  • 2. Register to vote – being on the electoral roll helps confirm your identity.
  • 3. Reduce existing debts – even paying off £200 on a credit card can boost affordability.
  • 4. Avoid multiple credit applications – several hard searches in a short period can lower your score.
  • 5. Save a small deposit – optional, but putting down a deposit can lower your repayments.

Related Finance Options

No lender can offer unconditional approval; every application must pass affordability and identity checks.

Customer Success Story

Person Standing Next to Car

“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.”

Read more from our customer testimonials

Ready to Get Started?

Click Apply Now to begin your application. You could receive a decision today and be driving within days.

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People Also Ask...

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.

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