Bad Credit Car Finance – Let’s Make It Happen!
Car finance for bad credit finance gives those with a poor credit history the chance to get a car. We believe that buying a car should be easy and accessible for all, no matter what your credit score is. If you have a very bad credit score, it can be tough if you are declined by other car finance companies. However, we want to change that! We don’t think your credit score should hold you back, and we work harder than any other bad credit car loan provider to get you the finance approval you’re after!
Apply For Car Finance Bad Credit With Us!
1. Fill in Your Application and Take the First Steps!
Get your personalised car finance decision and approval in principle within minutes – quick, simple, and with no impact on your credit score!
2. We Do the Legwork, So You Don’t Have To.
After you apply, our team works quickly to match you with a trusted lender who understands your situation and can offer an affordable car finance option that suits you.
3. Drive Away in Your New Car with Confidence!
Once approved, you’re free to use your finance deal at any FCA-approved dealer in the UK, giving you the freedom to pick the car that best fits your needs and budget.
Trusted by Hundreds of Highly Satisfied UK Drivers!
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“Faultless service from refused car finance. Massive thank you to Sean for all his hard work in securing me a fabulous car on finance! Something I never thought would happen due to my poor credit score!”
🗣 – Angharad from Cardiff.
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“Excellent service from the team at Refused Car Finance. Would definitely recommend these guys and try these before anywhere else especially if your credit is poor or no credit at all, these guys look at the bigger picture rather than slamming you with high interest rates that other companies do . Nothing more to say, thank you, a job well done.“
🗣 – Jayson from Blackpool.
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“Sean was amazing! He managed to get me a great deal even though I had poor credit history. I cannot thank him enough for the time he spent sourcing my ideal car for me. His communication was impeccable, I would recommend him to anyone looking for car finance. Sean you’re a star mate, thanks for everything.”
🗣 – Nigel from East London.
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“Refused Car Finance were awesome, they kept me informed every step of the application, they were so professional in every aspect. I highly recommend them to anyone with poor credit history, and for people who are long term benefits.“
🗣 – Ian from Yorkshire.
See What Our Customers Say – Verified Reviews Powered by Reviews.io
Can I Get Car Finance With Bad Credit?
It’s a common myth that being refused car finance in the past means you can’t get approved for a car loan — we don’t agree! Past credit mistakes shouldn’t hold you back from getting the car you need. Our team of car finance experts works with you to find the lender and package that best suits your circumstances, focusing on your affordability and current situation rather than judging your credit history.
Plus, our entire application process is free, no-obligation, and won’t affect your credit score, giving you the chance to explore your options with confidence. Let’s help you get car finance with bad credit once and for all!
Why Choose Us For Bad Credit Car Finance?
Refused Car Finance is a leading specialist broker for bad credit car finance. We help people who have previously been declined a car loan or have a poor credit history to secure an affordable finance package and get the car they want within their budget!
With our service, you can benefit from:
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Affordable monthly repayments tailored to your circumstances.
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Quick approval decisions and a fast turnaround.
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£0 deposit on all car finance deals.
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Access to a wide panel of UK lenders specialising in bad credit car finance.
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Thousands of cars to choose from at trusted UK dealerships.
Which Bad Credit Cars Can I Get?
Car finance for really bad credit doesn’t have to be complex and it can give you access to 100s of reliable cars! With Refused Car Finance, having bad credit doesn’t limit your choice of car. You have the freedom to select any vehicle that fits your budget from trusted, FCA-approved dealerships across the UK. We never deal with backstreet garages or low-rated dealers — only reputable sellers with verified reviews!
Our focus is on safety, transparency, and peace of mind, ensuring you get a reliable car while working within your financial circumstances. Whether you’re looking for a practical hatchback, a family SUV, or a sporty compact, our network of trusted dealers makes it easy to find the car you want without compromise.
Let’s Get Started!
Take the first step toward your car today:
✅ No impact on your credit file when you apply.
✅ Same-day instant decision for fast approval.
✅ Access to a wide range of trusted lenders.
✅ Affordable finance packages tailored to your budget.
✅ No deposit needed to get started.
What is Bad Credit?
If you’ve ever wondered, “What’s the lowest credit score to get car finance?”, it usually means you have bad credit. A poor credit score reflects your past borrowing behaviour, acting like a financial CV that shows lenders how trustworthy a borrower you’ve been.
It can be tricky to pinpoint a single “bad credit” number because the three main UK credit reference agencies—Equifax, Experian, and TransUnion—each use different scoring systems. For instance, a score of 500 with TransUnion might fall into the ‘bad credit’ category, while the same score with Equifax could be considered ‘excellent’.
This is why we don’t focus solely on credit scores. Instead, we consider your current financial situation and affordability to help match you with the right car finance package, giving you a fair chance to get approved.
| TransUnion | Equifax | Experian | |
|---|---|---|---|
| Excellent | 628 - 710 | 466 - 700 | 961 - 999 |
| Good | 604 - 627 | 420 - 465 | 881 - 960 |
| Average | 566 - 603 | 380 - 419 | 721 - 880 |
| Poor | 551 - 565 | 280 - 379 | 561 - 720 |
| Bad | 0 - 550 | 0 - 279 | 0 - 560 |
Find out the results of our customer credit score survey.
How To Get Car Finance With Bad Credit:
Getting car finance with bad credit may feel challenging, but it’s entirely possible with the right approach. By understanding your credit, preparing your finances, and working with a specialist broker like us, you can find an affordable car finance deal that fits your budget and helps you get behind the wheel of the car you want.
Choose the Right Lender.
As a specialist bad credit car finance broker, we work with trusted UK lenders who accept applicants with bad credit, no credit history, CCJs, or even IVAs. We handle the legwork, matching you with the most suitable lender and car finance package based on your circumstances.
Check Your Credit Score.
Your credit score affects many aspects of your financial life. A quick check only takes a few minutes and helps ensure your information is accurate and up to date, giving you a clearer idea of your creditworthiness.
Improve Your Credit Situation.
Even though we don’t judge you on past credit issues, paying bills on time, reducing debt, and keeping credit utilisation low can strengthen your financial profile and make it easier to manage repayments.
Consider Putting Down a Deposit.
While we offer many 0 deposit car finance deals, adding a deposit can reduce the amount you need to borrow and make monthly repayments more affordable. Let us know what you can contribute, and we’ll do the rest!
Ready To Get Started?
Let us help you secure the car finance approval you need — with no impact on your credit score. Choose from hundreds of cars across trusted UK dealers and find the deal that fits your budget. What’s holding you back?
Car Finance FAQs
Will I Get Approved For Very Bad Credit Car Finance?
Our whole business model is designed to help people get approved for poor-credit car finance. We do advise that if you have just received a CCJ or have a recent default on your account that you wait until your situation improves. Car finance lenders typically favour a credit rating on the up, recovering from any mistakes you made in the past before applying for credit, which drastically helps your chances of being accepted. Alternatively, we can match you up with the best poor credit lender today.
How Much Does Car Finance Cost?
If you plan to get a car with bad credit, you may be wondering how much your monthly payments will be. Your loan offered can be determined by a few factors such as affordability and interest rate offered and the lender you choose. Luckily for you though, we work with some of the best car finance providers in the UK so we can match you with the most suitable and cheapest car finance deal available to you.
Where Can I Get a Car From?
As a car finance broker, we can give you access to 1000s of cars. This is because you have the freedom to take your bad credit car loan to any car dealer in the UK who is verified by the FCA.
Does Car Finance Affect Your Credit Score?
When you apply online with us, we only provide a soft search credit check on your credit file. This isn’t recorded on your report and won’t harm your current credit score. Applying with multiple lenders in a short space of time can negatively impact your credit report as it indicates to lenders that you are desperate for credit. That’s why we recommend using a car finance broker like us as you only need to apply once, and we do the rest!
Can I Get Guaranteed Car Finance?
We’d love to be able to tell you that we can guarantee car finance with bad credit but unfortunately, we can’t. Actually, no car finance company can guarantee you will get approved for car finance. Nothing in life is ever guaranteed but with a specialist lending panel, a team of car finance experts, and great finance packages, we can help you.
Can You Get Car Finance with No Credit History?
Many people assume that having no credit history is a good thing and may assume that it means you automatically have good credit. If your credit score has dropped, you may be wondering why. No credit history means that lenders can’t predict what type of borrower you will be and may result in a poor credit score. Whether you’re recently turned 18 or have just never had a credit agreement before, our specialist lenders will consider other factors to determine your affordability and creditworthiness. Check out our dedicated no credit car loans page for more information.
Other Finance Types We Can Offer:
Not found what you’re looking for? Check out our finance quick links below: