Rates from 9.9% APR. Representative APR 19.9%. Car Finance Max is a credit broker, not a lender.

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We say yes to bad credit car finance

  1. CCJ's, arrears or defaults
  2. Past or present IVA, CVA or bankruptcies
  3. Poor electoral role history

Can I get car finance with bad credit?

Certainly, it is feasible to secure car finance even with bad credit history. While having a low credit score doesn't necessarily prevent you from borrowing money to purchase the car you require, it might result in certain lenders being hesitant to approve your application.

If you have bad credit history and are in search of a car, or if you've faced rejections from other lenders before, this is where a specialized broker like Car Finance Max can step in to assist. As one of the largest providers of car finance for individuals with bad credit in the UK, we excel in aiding customers in securing car loans despite their credit challenges, drawing upon our extensive 10 years of experience in this field.

We may also be able to help with car finance to you even if:

  • You are in an Individual Voluntary Agreement (IVA)
  • You have a County Court Judgment (CCJ)
  • You’re looking for car finance when self-employed
  • You have experienced bankruptcy in the past
  • You are looking for car finance on benefits
  • You are looking to get car finance with an overdraft

Can I get car finance with no credit history?

Yes, Car Finance Max could offer you car finance with no credit history. Having no credit history can make it more difficult to get accepted for car finance. If you’re looking for a no credit car loan, you might have to use a specialist broker or lender.

People without a credit history could be perceived as riskier prospects by lenders, as there is no data available to gauge their financial responsibility. If you fall into this category, the car finance options accessible to you might resemble those available to someone seeking a bad credit car loan. Consequently, you might need to consider utilizing a direct lender specializing in bad credit car finance, such as Car Finance Max.

You might have heard that you need to apply with a guarantor or joint applicant if you have bad credit. This is not always the case, and guarantor finance is less common nowadays, but there are some specialist lenders available who could help.

How to get car finance with bad credit

Our expert team would be happy to help, even if you have a very low credit or have very bad credit.

To get car finance you’ll need:

  • Monthly earnings over £1,000 (net after tax)
  • To be aged between 21 and 75
  • A full valid UK driving licence
  • 3 consecutive months of payslips

We can provide car finance to customers with bad credit as long as it meets the following criteria:

  • Car finance from £4,000 – £40,000
  • Maximum of 120,000 mileage on the vehicle
  • No older than 14 years at the end of the agreement

What your bad credit car loan could look like

Car finance calculator

Finance calculator

£
  • 36month
  • 42month
  • 48month
  • 60month

This helps you get a more accurate finance estimate

Not sure about being approved?

Check finance eligibility

Won't affect your credit score

Your estimated examples

These estimates are subject to credit checks, and may change if you do apply for finance.

PCP
£0/pm
HP
£0/pm
Loan amount£7,500.00
Length of Loan60 months
Monthly payment£0
Interest rate14.9% APR
Optional final payment£0
Amount of interest£0
Total payment£0

How to apply for car finance with bad credit

We offer bad credit car finance across the whole of the UK, so we could help get car finance near you. To apply for car finance with bad credit, we would suggest using our car finance calculator. This will give you an idea of what your car finance could look like, depending on what payment term and the amount you are wishing to borrow.

It only takes 5 minutes to fill out our online form, so do it today to get a free and no obligation car finance quote