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    Affordable monthly payments

    Deals with competitive APR & Interest rates

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    Huge car choice

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    Decision in minutes

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Finance your chosen Škoda, even with bad credit!

Škoda sells a fantastic range of models that make a great choice if you’re looking to get a Škoda on finance. We specialise in helping people who have bad credit, so don’t let your previous refused applications stop you from getting behind the wheel of a used Škoda. Even if you have a poor credit rating, we can help!

Skoda logo 2023

Applying for a used Škoda is a really easy process. All you have to do is fill in a short online form and one of our experts will be on the phone, often later the same day, to talk you through your options. We’ll match you with the right lender to suit your personal financial situation, taking into account your budget, your desired length of contract, and, of course, which car you want.

Who is eligible for finance?

You are eligible for bad credit Škoda finance as long as you can tick all of the boxes below:

  • You are 18 years or older
  • You have lived in the UK for three years or more
  • You can prove affordability
  • You are not currently bankrupt
The car finance process

How to apply for used Skoda finance: 

Getting car finance with Refused Car Finance is easy! We are one of the UK’s leading bad credit car finance brokers! We have access to a wide lending panel who are waiting to offer you finance. Once you’ve been approved by one of our lenders and have a finance package you’re happy with, you can then take your finance deal to any participating UK dealer! You can choose the used Škoda you want within your finance budget from an FCA-registered dealership. Our dedicated team even help liaise with the dealer on your behalf to make sure you’re getting the best deal. 

making an application for finance on phone

1. Make a free,no-obligation application with no effect on your credit score. 

signing the car finance contract

2. One of our personal finance experts will be in touch with a finance decision for you. 

choosing the car you want to finance

3. Sign the paperwork and choose a used Škoda within your finance budget! 

Get approved for used car finance today!

Škoda has a superb range of cars and we could help you get one on finance today!

Popular Used Škoda Models on Finance

The models below are some of Škoda’s most popular in the UK, and it’s possible to get any one of them on finance. The used market is huge, so shop around and find your perfect one. When you buy a car on finance through us, you get access to 100s of used cars from local and further afield dealerships!

skoda octavia on finance

Used Škoda​ Octavia Finance

The Škoda Octavia is a small family car that comes in a choice of petrol and diesel engines. We’ve recently featured the Octavia in our list of the best hatchbacks due to its huge boot and generous passenger space. It’s a popular choice for taxis too because of its reliability and affordability. Whether you’re a taxi driver or not, the Octavia is a brilliant car to get on finance.

skoda citigo on finance

Used Škoda Citigo

The Škoda Citigo is a superb city car built for urban environments. Small and agile, it’s based on the VW Up and gets up to 55 miles per gallon. If you’re a new driver, the Citigo is a fantastic first car to get on finance. The Škoda Citigo is also one of our favourite cars to buy for under £5k

skoda karoq on finance

Used Škoda Karoq on finance

The Škoda Karoq is a family-friendly SUV that comes in a choice of petrol and diesel engines. 521 litres of boot space make it a great option for families. If you’re looking for an SUV on finance, why not give the Škoda Karoq a try.

skoda fabia on finance

Used Škoda Fabia Finance

The Škoda Fabia comes in a range of petrol and diesel engines. It’s had many iterations since it launched in the ‘90s, so it’s an easy car to get on the used market. If you’re after a supermini, why not look into the Škoda Fabia. It’s cheap to run and insure which makes it one of the best cars for brand new drivers too! 

Get your Škoda from any verified UK dealership!

The cars above are fantastic but you aren’t limited to just them. Our finance deals allow you to get a Škoda (or any other brand) from any legitimate car dealership in the UK. Once you’ve been approved by one of our lenders, you’re free to shop for any used car within your budget. All we ask is for you to select an FCA-approved car dealer in the UK. Once you’ve found the car you want, our finance experts will liaise with the dealer on your behalf and we also do our own dealership checks for added peace of mind. 

Don’t let your bad credit history stand in the way of getting a car. Find a used Škoda on finance today!