Most lenders rely on automated checks that score your application. These checks look closely at your past money habits and judge how risky you may appear.
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
Demand for motor-finance agreements remains strong even as lending rules tighten. Independent analysis reported by AM Online cites Finance & Leasing Association data showing point-of-sale consumer lending holding steady at around £39 billion in 2024, mirroring 2023 levels.
That means millions of UK drivers still rely on finance, creating room for lenders willing to look beyond a single credit score.
Being declined elsewhere does not always mean the end of the road. Our approach to car finance for people with bad credit looks at individual circumstances rather than one automated score.
Because we lend through hire purchase, the agreement is secured on the vehicle, which reduces risk and could allow for approvals a mainstream lender may decline. We are authorised and regulated by the Financial Conduct Authority and design repayments around your budget. With a dealer network covering the entire UK, you may still choose a car close to home.
For more guidance, dive into help rebuild your credit and the companion article how long it may take to improve your credit score. Both pieces outline realistic strategies and timings for positive changes.
Our initial assessment uses a soft search only. A full, or hard, search occurs only after you decide to proceed.
Yes, certain benefits may be counted as income within our affordability checks.
No-deposit options could be available, although paying one may lower your monthly repayments.
Waiting roughly 30 days may reduce the impact of multiple enquiries on your file.
They absolutely could. Each on-time instalment is reported to the credit bureaux and may improve your score over time.
If you feel prepared, complete our quick online application – you could receive an answer the same day and be back behind the wheel sooner than you thought possible.
