Car finance for people with fair credit – from a UK direct lender who looks at more than just your credit score.
Yes – if you have a fair credit score, you could still get approved for car finance. You’re not alone. Many people across the UK have a fair score, and it doesn’t need to stop you from getting a car.
At Go Car Credit, we don’t just focus on your credit history. We look at your full situation. Whether you’re working, self-employed, or receiving benefits, we aim to offer finance that fits what you can afford now.
You might have searched online for things like “car finance fair credit” or “fair credit car loans UK”. If that sounds like you, you’re in the right place.
Step 1: Calculate your monthly repayments
Step 2: Apply and track your application online, in real time (No login or app needed!)
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
Fair credit is a middle range score. It means your credit history is not perfect, but not poor either. You might have a fair score if you’ve had:
Each UK credit agency uses different scoring ranges:
You may be eligible for car finance if you:
We also look at:
We understand life isn’t always perfect. Every application is reviewed by a real person, not just a computer.
Yes – we accept many types of benefits income. As long as it’s regular and part of your total household income, it could be included in your application.
You can use our car finance calculator to get an idea of what your payments might look like.
Here are a few tips to help improve your chances of getting approved:
We start with a soft credit search, so applying won’t affect your credit rating.
We offer Hire Purchase (HP) car finance. It’s a simple way to spread the cost of a car and own it once you finish paying.
With Hire Purchase, you get:
Other options may include:
Find out more on our page about Hire Purchase car finance.
Your interest rate (APR) depends on a few things, including:
Our rates are fixed, and we aim to make them as fair and affordable as possible.
We’re a direct lender, not a broker. That means we handle your application from start to finish. You deal directly with us – no third parties.
With Go Car Credit, you get:
Want to know more? See why being a direct lender matters.
There isn’t a set number. Each lender uses different criteria.
No. We use a soft search at the start, so there’s no impact on your credit file.
Yes – we include many types of benefits income. As long as it’s regular and reliable, we’ll count it as part of your income.
Yes – a limited credit history doesn’t stop you from applying. We look at the bigger picture, including your affordability.
Not always. Many of our customers get approved with no deposit, depending on their affordability.
If you’re wondering, “Can I get car finance with fair credit?” – the answer is yes, you could.
It only takes a few minutes to apply, and there’s no impact on your credit score.
