Bad Credit Car Loans

Do you have a bad credit rating? Concerned your financial history could prevent you from getting accepted? Creditplus can help you to find the best finance package and get you behind the wheel of a new car. We understand that most people do not have the savings they need to buy a car outright. It can also be tricky for someone with a bad credit rating to obtain a personal loan. Thankfully, Creditplus can provide the finance you need to buy your new car.

When you apply for a bad credit loan with Creditplus, we will work hard to find the best possible interest rate for you. You can take out a bad credit loan on almost any used vehicle, for a term length between 24 and 60 months. We work with a variety of different lenders, comparing more than 90 lending options. This allows us to find the best interest rate and car finance deal available to all of our customers, even if they have a bad credit rating.

Applying for car finance with Creditplus is a simple process:

We compare bad credit loans


Creditplus compare more than 90 lending options to find the right car finance package for your credit circumstances. We have specialist lenders for those with adverse credit on file, so even if you have a bad credit rating, we can find a finance package for you.

Choose your car


Creditplus can finance a car from any established UK dealer. Even if you have a bad credit rating, you are still free to choose the car you want. If you’ve already 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 more than 60,000 used vehicles in our database to find the car you want. Unsure what you want? Then take advantage of our Find, Fund & Deliver service.

Get an 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. What's 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're 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 out customers. As part of this regulation, we offer a 14 day money back guarantee on all our car finance deals.

We pride ourselves on being an ethical lender, only providing customers with car finance that they can afford, and never pressuring 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 customers reviews over at our Trustpilot page and see for yourself what they have to say.

What is a soft credit search?

If you have a bad credit rating, you might be concerned that applying for car finance could affect your credit score. In most cases, when you apply for finance, this is recorded on your file. That means if you are rejected, future applications will see this rejection and may also reject you.

Here at Creditplus, we conduct a soft credit search. This means that when you apply for a car loan from Creditplus, your credit rating will not be affected. Instead, we take a look at your file and match you with lenders who are likely to approve you. We do not conduct a full credit search until we have presented you with the options available to you. This means you can be sure that you can see what deals are available before going ahead with the process.

Read more on how our soft credit search works.

Can I still get a low interest rate with bad credit?

When you have a bad credit rating, you are unlikely to have the best rates available to you, particularly those advertised by the big high street lenders. This is because of the adverse credit in your history making you appear to be a risk, even if you have started taking steps to repair your file.

The good news is that you still have options available to you. Creditplus will compare more than 90 lending options when you apply and present them to you. It is then up to you to decide if you want to continue with your application. We will not pressure you into any decision.

Bad Credit Car Finance Calculator

Calculate how much you can afford on a monthly basis using our car finance calculator. Simply enter your credit rating, the price of the car you want and the length of the credit agreement from 1 to 5 years. The calculator will work out the monthly cost of two of the most popular car finance products (Hire purhcase and Personal Contract Purchase), if at anytime you would like to discuss the results in more detail, please give one of our customer advisors a call. 

Useful Resources for those looking for bad credit car finance

Loan Affordability Calculator – Find out how much you can afford to spend on finance each month using our simple online tool.

Credit Clinic – looking for more information on credit ratings and how to improve them? Visit our Credit Clinic for insight into what each credit rating means, what can cause your credit rating to be bad, what you can do to start improving your credit rating, and links to unbiased financial advice services.

Car Finance Calculator – Want to know how much your car finance package could cost? Use our online calculator to get an idea of what your bad credit car loan could cost.

Car Finance Options – Unsure of which finance option is right for you? Use our car finance options tool to find out which product is suitable for you, based on a simple, short 30 second questionnaire.

Got a question for us?

If you require further assistance, our team of Customer Advisors are here to help. We're open six days a week - you can view our opening hours here - and we're more than happy to answer your questions.