Bad Credit Car Finance

Many people believe that having bad credit means car finance is not an option. However Creditplus can still provide car finance for those with a bad or poor credit rating. We have a large panel of approved car finance lenders, providing specialisst car loans for someone with bad credit at a competitive rate.

How it works

Think you have a bad credit rating and tired of your vehicle? Creditplus can help you to get a new car. It is common for the majority of people not to have the savings they need to buy their new vehicle outright, and in today’s climate personal loans can be tricky to obtain for someone with bad credit. Thankfully, Creditplus can provide the car finance you need to buy or change to a new car.

You can take out bad credit loans on almost any used vehicle. At Creditplus, we always supply and recommend relatively new low mileage vehicles. Bad credit car loans can be taken out over 24 to 60 months, and our exclusive relationships can help you find the best available interest rate on the market.

Applying for car finance with Creditplus is a simple three step process:

1. We compare loans


Creditplus compare over 100 lending options to find the right car finance package for your credit circumstances. We have specialist lenders for each credit rating, so that no matter what your current circumstances, we can find finance for you.



2. Choose a car


Creditplus can finance a car from any established UK dealer. If you’ve a found a car and just need the finance to buy it, we can help. If you haven’t found a car, then you can search over 60,000 used vehicles in our database to find the car you want. Alternatively, you can ask one of our customer advisors to help find a car for you.



3. Instant online decision


There’s no waiting around for days when you use Creditplus. Our specialist software means we can provide you with a decision on your car finance options in minutes. Whats more, our special soft credit search process means that applying won’t affect your credit rating – even if you decide not to go through with your application. 

Note: An instant online decision is based on a representative APR of 9.9%.


Start your car finance application

You are fully protected when you apply with Creditplus

Creditplus are fully regulated by the Financial Conduct Authority (FCA). This means that we comply with all the government regulations when it comes to providing a car finance service to customers. As part of this regulation, we offer a 14 day money back guarantee on our car finance deals.

We pride ourselves on being an ethical lender, only providing customers with car finance that they can afford, never pressurising anyone to take a deal they are uncomfortable with.

Our commitment to the highest level of customer service and care is reflected in the huge number of positive reviews we receive from happy customers.  Read the latest reviews over at our Trustpilot page and see for yourself what they have to say.

Got a question for us?

If you require further help or advice our friendly customer advisors are here to help. We are open 7 days a week view our opening hours here, and are happy to answer any questions you have.

From landlines please call 0800 1777 290
From mobiles please call 0333 6000 290

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