Car Finance No Credit Check

no credit check car finance

Rates from 28.5% APR
39.7% Representative APR -
Subject to status and affordability

Do I need a credit check to get car finance?

Are you looking to finance a new car, but not sure if you’ll be accepted? Have you got CCJs, defaults or arrears?

If this is the issue, you may be looking for ‘no credit check car finance’ when browsing finance companies that would be suitable for you.

While credit checks are required, they shouldn’t worry you. We understand that it isn’t always easy to maintain a perfect credit history. We decided to develop Go Car Credit as we understand anyone could have problems getting credit via traditional banks. The primary focus is ethical and responsible lending and treating customers fairly.

We specialise in helping people who may have bad credit and finding it hard to get car finance. So, if you’ve been refused finance in the past or have missed payments on your credit report, we may still be able to find a finance plan that suits you.

car finance calculator

application tracker

Representative example – Total amount of credit £8000, annual interest rate 20% (fixed), charge for credit £6711.44 (£6406.44 interest, £295 admin fee and £10 option to purchase fee), total amount payable £14711.44. Loan term of 48 monthly instalments, 47 payments of £306.28 and 1 final instalment of £316.28. 39.7% Representative APR – Subject to status and affordability


No two customers are the same, so only after reviewing your personal circumstances can a lender make a decision whether they can lend to you.

Your credit history will also impact the rate you get offered. If you have a history of reliable borrowing, you may find you are eligible for a lower rate than somebody with missed payments on their file.

Your credit history is constantly added to, so if you do have a history of missed payments or CCJs, you can work on this by starting to make payments on time on your current credit commitments. Any effort done on trying to improve your credit score could possibly lead to lower rates offered and open you up to more finance options in the future.


Does Go Car Credit offer car finance with no credit check?

Go Car Credit do carry out a credit check on every new application. This is not just for our benefit, but for yours too. As an ethical and responsible lender, we must ensure that the finance plan we are offering our customers is affordable and suitable to your current circumstances.

Our customers are never judged solely on their credit history. Instead, decisions are based on a blend of science and human judgement to understand whether the repayment schedule will be manageable for the customer.

The majority of applications we receive are reviewed by the employees themselves and not just a computer program. This approach allows us to consider any extenuating circumstances such as a poor credit history, self-employment or income from benefits. We view our customers as individuals, not just a number.



hand phone happy car


happy person car


How can I check my credit?

We would suggest that even before you apply for car finance, you should research how likely you are to get the loan.

Checking your credit report can let you know if there are any recent issues that may be a problem for lenders, and also give you the chance to update any missing information that may be on your profile.

If you apply for finance and are rejected, then you may need to pinpoint and address any issues with your credit history. Make sure you are registered on the electoral roll, so that lenders can confirm your identity, and pay off outstanding debts if you are able to.

In the UK, companies called ‘credit reference agencies’ (CRAs) collect information on how well you manage credit and make your payments.

The three main CRAs are:

Each of them holds a file on you, called a credit report (or credit file), although the information might differ between CRAs.

For more information on checking your credit profile, check out our review your credit profile page.


Why choose Go Car Credit?

We want to provide those with impaired credit profiles the green light to enable them to walk on to a dealer’s forecourt with confidence, helping them get behind the wheel in no time. Here are six reasons to go ahead with us:

  • Regulated: Get peace of mind knowing that we’re authorised and regulated by the Financial Conduct Authority (FCA) and are committed to achieving fair outcomes for our customers.
  • Trusted: Don’t just take our word for it. We’re rated ‘excellent’ on the independent customer review site Trustpilot!
  • Responsible: We take an ethical approach to lending, and will work with you to provide affordable, accessible and sensible car finance.
  • Supportive: Our team are always happy to offer help or receive feedback. Car finance works best when it’s built on two-way communication.
  • Fair: We never discriminate. No matter your credit history or personal circumstances, we will review your application on an individual basis.
  • Straightforward: Applying for car finance with bad credit can feel daunting and complicated. We’ll communicate as clearly as possible to ease you through the process.

We provide bad credit car finance across the UK through a network of trusted car dealers. Call our friendly team on 01925 696 373 – they’ll be happy to answer any further questions about how it all works.


How do I apply?

Go Car Credit make applying for car finance with bad credit as easy and stress free as possible.

All you have to do is enter a few personal details into our secure online application form in a matter of minutes. Once we’ve given you a decision, we’ll ask for some details on your vehicle of choice before asking for you to give an online signature if you want to go ahead.

There is no fee for making an application for finance and no obligation to take out an agreement with us – so if you change your mind and want to walk away, you can.

Apply for car finance with Go Car Credit today!

Apply Now

Back to top