Bad Credit Car Finance

Bad credit car finance gives those with a poor credit history the option for a car on finance. We believe that buying a car should be easy and accessible for all, no matter what your credit score is. If you have bad credit it can be tough getting the money together for a new car. Thankfully there are now many options available to people who have limited funds and a poor credit score.

Get car finance for bad credit today.

Simply fill out our form and one of our team will be in touch. Applying does not harm your credit file as we perform a soft search only.

Can I get car finance with a bad credit score?

If you’re looking for bad credit car finance then you have come to the right place. Here at Refused Car Finance, we are dedicated to helping people get approved for car finance with bad credit. We don’t judge. Rather than focusing on a single number on a credit file to define who you are, we consider your whole circumstances. We take into account your current situation to look at what you can afford to repay and find you the best lender based on your personal situation.

Due to working with a wide range of lenders, we can find the best rates available for each individual. If you have been declined elsewhere or are worried that your credit rating will get in the way, then we are here to help you.

Perks of Bad Credit Car Finance With Us

Affordable Monthly Repayments.

We Charge No Broker Fees At All.

Bad Credit Car Finance Specialists.

Quick Approval Decision. Fast Payout.

We Offer Free Warranty On All Cars.

Delay Your First Payment For 6 Weeks.

Lets get started!

No impact on your credit file

Same day decision

Wide range of finance lenders

car at home

How much do you know about getting car finance with bad credit?

Here at Refused Car Finance, we did a little survey to find out how much we Brits know about the impact of a credit score on your ability to obtain car finance, with some quite shocking results.

Find out the results below to see if you know the facts.

In March 2021, we conducted a customer survey that highlighted the relationship between your personal credit score and the likelihood of being accepted for car finance.


Do you know what your current credit score is?

Our survey found that nearly 80% of our customers were aware of what their current credit score is and 55% said they checked their credit score once a month – which is a great financial habit to have! Checking your credit score regularly, knowing how your credit score changes, and which factors affect your credit score can be really beneficial.


of respondents know their credit score

Which factors affect your credit score?

We asked some of our customers which factors they think negatively affect their credit score and the results indicated that we Brits are clued up on how your credit score can be affected, however, some results were surprising.


  • Making late or missing payments


Repeatedly missing payments or making late repayments can lead to defaults on your credit file and also indicates to lenders that you have poor financial responsibility, making future lenders wary of accepting you for finance. You should also avoid only paying back the minimum on your credit card each month. Any finance or loans you have should be paid back on time and in full each month.

  • Mistakes on your credit file
  • 31% 31%

Mistakes on your credit file such as incorrect address or fraudulent finance applications in your name can negatively impact your credit score. You can dispute any mistakes on your credit file with your credit referencing agency who provided your credit report.

  • Having a CCJ, IVA or declaring bankruptcy


County Court Judgements, entering into an Individual Voluntary Agreements or declaring yourself bankrupt can have the biggest impact on you credit score and can remain on your credit file for up to 6 years.

  • Applying for credit often
  • 55% 55%

Making multiple applications for finance using a hard search credit for car finance in a short space of time can negatively impact your credit score. Most lenders will only perform a soft search on your credit file which doesn’t leave a footprint.

  • Borrowing more than you can afford


Getting accepted for loans which you can’t pay back can result in defaults or arrears on your account. Having high levels of outstanding debt can have a negative impact on your score and also affect your chances of getting finance again in the future.

  • The number of credit accounts you have
  • 36% 36%

Some potential lenders also look at the amount of credit you have available to you. Multiple credit accounts and also how much of your credit limit you use can impact your score. For example, maxing out credit cards and overdraft limits suggest to lenders that you can’t handle any more credit.

  • Being rejected for credit


Applying for finance through a hard search credit check and getting declined for finance can impact your credit score negatively.


  • Your Monthly Income


When you apply with us, we will ask you to provide your income, but this factor does not affect your credit score directly. We only ask for your income so we can check your affordability and help get you approved.

  • Age


How old you are doesn’t affect your credit score. You may find yourself with bad credit due to no credit history which can be related to age as many lenders or credit providers require you to be 18 years old to get finance.

  • Your employment status


You can secure finance if you are in full time employment, self-employed, in receipt of benefits or in the armed forces! Your employment status doesn’t have an impact on your credit score though.

  • Registering to vote


Registering on the UK electoral roll can make it easier for lenders to verify that you are who you say you are and could also save you time on credit applications, but it is unclear whether registering to vote would increase your credit score.

Bad Credit Car Finance Survey Results Infographic Thumbnail

Feel free to share our infographic summarising the survey results.


Does applying for car finance have a negative impact on your credit score?

We asked our customers if they thought that applying for car finance had a negative impact on your credit score and nearly 80% of customer surveyed thought that it does negatively affect your credit score! When applying for car finance with Refused Car Finance, you shouldn’t let this misconception put you off applying for a car loan.

When you apply with us, we only provide a soft search on your credit file. A soft search doesn’t affect your credit score and it isn’t recorded on your credit file. This type of search enables us to take a quick look at your credit file without harming your score. Find out more about hard search vs soft search credit checks.

Is your credit score the most important factor that car finance lenders use to get you approved?

When asked, over 80% of our customers said that credit score is the most important factor that car finance lenders take into account to get you approved for finance. However, we also take affordability into account to get you approved. We believe that being able to prove that you could pay back your potential car finance through affordability checks is key to getting you approved. Find out more about what does affordability mean.


Bad Credit Car Finance Explained

Before you do anything it’s worth checking what your credit score is. Here in the UK, we tend to have three main credit reference agencies – Equifax, Experian, and Trans Union. Each of which aims to record the way in which you use credit. Credit can refer to a loan, a contract such as a mobile phone, and a credit card. These credit reference agencies will then assign a number to you which sums up how they see your creditworthiness. Each agency will classify you slightly differently.

Excellent628 - 710466 - 700961 - 999
Good604 - 627420 - 465881 - 960
Average566 - 603380 - 419721 - 880
Poor551 - 565280 - 379561 - 720
Bad0 - 5500 - 2790 - 560

What causes you to have bad credit?

Late or defaulting on payment, receiving county court judgments and bankruptcy can negatively impact your credit score. It’s important to check that there are no mistakes on your file too as you don’t want to miss out on credit opportunities because of an error.

How to apply for bad credit car finance

In order to get a car on finance with a poor credit score you first need to know where to look. In you apply for car finance and get knocked back it could be because that lender is not setup to help people in your situation. Just because one lender, dealer, or broker can’t help doesn’t mean that is the case for everyone.


Our whole business model is designed to help people who have a poor credit rating. We match our customers with the best lender for them and ensure the lowest rate possible in line with our responsible lending policy and procedures. If you have further questions about bad credit car finance then please feel free to contact us.

Whether you have CCJs, repeated missed payments and defaults, or any other reasons for a low credit score, you can still apply for car finance. This means you can pay for the cost of a car over a set period, rather than upfront. Acceptance is reliant on more than just your credit history after all.

Will I be approved for car finance with poor credit?

As bad credit car finance specialists, we work harder than anyone else to get you the approval you need. If you meet the below criteria, we can offer you car finance regardless of a poor credit score!

  1. Are able to prove your affordability
  2. Are 18 years or older
  3. Have lived in the UK for 3+ years
  4. Hold a full UK driving licence
  5. Are free from bankruptcy

Remember, it’s always worth improving your credit score as this will give you access to better finance terms.

How does bad credit car finance work?

To secure a bad credit car loan you need to first fill out our short application form. We will then do the hard work for you, matching you up with the most suitable lenders to get you the best terms for your credit profile.

You will be assigned your own personal finance expert who will be in contact to talk you through the finance offers you have received. At this point, you aren’t required to continue and can choose to look for car finance elsewhere or decide it’s not for you.

If you do find a suitable offer, we sort out the paperwork so you can shop around for your new car. It really is that simple! You can use your credit agreement at any verified dealership in your local area or by browsing our cars.

We match our customers with the best lender for their circumstances. This means the lowest rate possible in line with our responsible lending policy and procedures. If you have further questions about bad credit car finance then please feel free to contact us or read on for more advice.

Types of Car Finance for Bad Credit

Whatever your circumstances, we believe that you should still be able to find car finance at the best rate possible. We work with a range of lenders who specialise in the following types of bad credit car finance:

Bad Credit Survey Icon

No credit

No credit car finance is designed for those with no credit history. 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 credit-worthiness.

No deposit

No deposit car finance offers credit agreements with no up-front deposit charge needed. For those with no savings, our panel of lenders can find you the best deal. Be aware that with no deposit, you are likely to receive less favourable terms. It’s often best to hold back on your credit application and save a deposit first.

No guarantor

No guarantor car finance is for those who have no credit-worthy friend or family member to guarantee their loan. Many lenders require a guarantor for bad credit applications but our panel are specialists in finding alternative solutions.


While tougher to find, CCJ car finance is available. If you have received a CCJ in the last year, we recommend you wait for the 12-month period to pass over before applying. That way we can send you to a wider panel of lenders with better rates and a variety of car finance packages. If you can’t wait, there are still options, but you should expect longer terms and higher interest rates.


It’s often thought that acquiring car finance on benefits is impossible to acquire. While it’s more difficult to find than for those in employment, there are options. Our panel of lenders are willing to work with those receiving state support and will take into account your affordability and other factors, regardless of your employment status.

Car Finance, Bad Credit, Instant Decision!

We are proud to be able to offer you an instant decision on your application.

Remember having bad credit is no obstacle to being approved for car finance. Apply for your bad credit car loan today and let us help you get the best car finance deal!

Use Bad Credit Car Finance Specialists and get the approval you need!

Refused Car Finance are bad credit car finance specialists. We work tooth and nail to get you the approval you deserve, with an incredible approval rating of 98.4% and amazing feedback from our customers we are proud to say we will do everything possible to help you get bad credit car finance too!

Frequently Asked Questions

Regardless of your credit history, choosing finance and finding a car can feel complicated. Add in poor credit and it may start to feel a little stressful. Alongside our streamlined application process, we’ve includes some of the most frequently asked questions below. If you’d rather get advice based on your personal circumstances, get in touch for a friendly, no-strings chat.

Can I apply for car finance with bad credit?

Yes. Our whole business model is designed to help people who have or have had a poor credit rating. 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 with drastically help your chances of being accepted.

So, if you have found yourself making a few mistakes recently, you could consider trying to rebuild your credit score for a few months before applying in order to be in with the best chance of getting a great car finance offer. Alternatively, we can match you up with the best bad credit lender today.

What kind of agreement can I expect from car finance for poor credit?

Car finance for bad credit is no different from any other car finance agreement. You agree with a lender to pay a certain amount of money each month, every month, for a fixed term. A bad credit car loan is usually taken on terms of 1-6 years, and the APR depends completely on your personal circumstances.

I have a CCJ/IVA, can I still be approved?

If you have been issued with a CCJ or have IVAs in the past year it is more difficult for us to get your car finance. This is because it limits the lenders we can match you up with. We would always advise waiting 12 months before applying to give you time to rebuild your credit profile and prove to lenders that you are able to repay your loan. Find out more about IVA Car Finance.

I am unemployed with bad credit, can I still get car finance?

Affordability is one of the most important factors when it comes to being approved for car finance. Of course, being in full-time employment is a great way of being able to prove your affordability. However, we frequently get unemployed applicants approved for car finance as they can still prove they can meet the monthly payments. So, if you are currently out of a job but are sure you have the budget for car finance then we encourage you to apply and we can match you up with the very best lender.

Bad credit is a pretty vague term and you may feel like you won’t get a good car finance deal because of your credit score. However, if you are rebuilding your credit profile month on month and meet the criteria stated above then we can get you the best car finance package for you!

How does my credit score affect my chances of getting a car loan?

Your credit score is something that lenders will look at to assess how reliable you are at repaying and how much of a risk you are to the lender. Your credit score isn’t universal, so it can differ slightly depending on the credit company that you approach, but it will give an overall view of how you repay credit.

Your credit score can influence your chances of getting car finance, a mobile phone contract, and even property rentals. It is important to keep track of your credit score so you know what your chances of getting approved are and what kind of interest rate you can expect to receive.

What resources are there to help with bad credit car finance?

Our help and advice centre is packed with useful guides for understanding and improving your credit score, as well as useful tips for driving and choosing an ideal car. We also recommend the following sites for help and advice around finance and loans:

Just some of the happy customers who applied for bad credit car finance through us.

refused car finance put me at ease from the very first phone call. After being turned down by numerous other companies, I didn’t have much hope but after speaking to Jacob about my credit file or lack of, he assured me it wasn’t nearly as bad as I thought it was. Got finance sorted in less than two days with literally half the interest I was quoted after being messed around for weeks by other companies.

Jacob is a real asset to RCF, he kept me up to date every step of the way and was so easy to speak to! I Could not recommend RCF enough!!

Adina Johnson

These people at this company most certainly now how to help when you need helping and get the job done talk about going the extra mile omg they went the extra 100 miles for me found the car i wanted with the spec I asked for. Would I reccomend this company and these people let me just say you would be a fool to go to anywere else this firm is miles ahead of the nearist competitor simply miles. Thanks guys from me Chris R

Chris Roebuck

Dan was absolutely amazing! I have bad credit and was refused elsewhere. Dan talked me through everything was so helpful and funny. I would recommend him to anyone!!!!! Within a week I had my new car and I love it. Thankyouuuu very much!

Jade Warren

I have dealings with other finance companies before who provide a reasonable service but I found the staff at refused finance went the extra mile in finding me a suitable vehicle from a reputable dealer. I needed a lot of help and assistance and they were always willing to accommodate my needs even when I was being indecisive. I had 1 broker in particular who stands out, Jacob, Jacob did a fantastic job and always found solutions to problems I encountered, without his commitment to customer care I may have given up. I will definitely be recommending your company and Jacob in particular. Thanks guys I don’t know what I would have done without you.

Robert Clarke

Other types of finance we can offer:

Not found what you’re looking for? Check out our finance quick links below:

Guaranteed car finance
No credit car loans
Joint car finance
Car finance with a guarantor 

Smiling man with bad credit happy with his new car purchase

Apply now for bad credit car finance

This will not affect your current credit score

Refused Car Finance Reviews

4.87 Average

236 Reviews

Alex S

Fantastic service! Dan was really helpful and found me the exact car I wanted! The whole process was really simple and fast. I would definitely recommend them, 100%!

Rosie Henderson-Gaines

Great service!


Isaac was fabulous right from the initial enquiry until the completion. Kept in touch every step of the way and nothing was too much trouble

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