Bad Credit Car Loans

Do you have a bad credit rating? Are you concerned your financial history could prevent you from getting accepted?

Creditplus can help you to find the best finance package that suits your individual circumstances. We understand that not everyone enjoys a good credit score but that should not hold you back. As a proud ethical lender who is regulated by the FCA, we ensure that all our customers are treated fairly regardless of their personal circumstances.

All our customers are provided with the very best customer service (but don't take our word for it, see what our customers say on our Trustpilot review page), and we will ensure you fully understand the process from the outset. We will work with you to check you have the income to comfortably support your next car finance agreement.

Simply complete our quick online application form (does not affect your credit profile and puts you under no obligation), and one of our helpful customer advisors will begin investigating your options. Alternatively call us directly on 0800 1777 290.

If we find that you are not currently in a position to acquire finance, then we can offer you a wealth of information on the site to help and empower you, in order to strengthen your financial position and credit rating. Please fell free to browse our help pages now to find out more: Help and Advice, Credit Clinic and Useful Tools.

We work with a variety of different lenders, comparing more than 90 lending options. Some of our lenders specialise in helping poor and bad credit customers secure finance at a fair and affordable rate. This allows us to find the best interest rate and car finance deal available to you, even if you have a bad credit rating.

Applying for bad credit car finance:

1 - Compare your loans options

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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.

2 - Choose your car

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If a suitable loan option has be found that you would like to be formally considered for, then it's time to choose your car.

Creditplus have a wide network of dealers to source your car but we can also finance a car from any established UK dealer. You can either source a car yourself or ask us to do it for you. If you have already found a car that's great! We can simply arrange the finance for you.

We also have an online car search you can use, listing thousands of nearly new vehicles. 

3 - Get loan approval

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There’s no waiting around when you use Creditplus; our specialist software and dedicated customer advisors will get you a final decision in minutes. Upon approval from the lender and your signed agreement, we can then get your car purchased and you're done.

Note: Some lenders may require further proof documents to ensure affordability requirements are met.

Click 'Apply' to 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.