We specialise in poor credit car finance
Don't let past credit issues stop you from getting the car you need. At CreditCar, we work with specialist lenders who understand that life doesn't always go to plan.
Apply NowAre you worried that bad credit could stop you getting car finance? You're not alone - and you're in the right place.
At CreditCar, we specialise in helping people secure car finance even if they've faced financial difficulties in the past. Whether your credit score is low, you've experienced missed payments, or you've been declined elsewhere, we work to find realistic finance solutions that suit your situation.
Our approach is simple: understand your circumstances, match you with the right lenders, and help you move forward with confidence.
What is poor credit and how can you improve it?
Poor credit generally refers to a lower-than-average credit score, often caused by previous financial difficulties. This may include missed payments, defaults, CCJs (County Court Judgements), or bankruptcy.
In the UK, credit reference agencies typically categorise credit scores as:
- Excellent: 800+
- Good: 700-799
- Fair: 600-699
- Poor: 500-599
- Very Poor: Below 500
If your credit score falls into the poor or very poor range, you may struggle to secure traditional finance - but specialist bad credit car finance can help bridge that gap.
Practical ways to improve your credit score
Improving your credit won't happen overnight, but small steps can make a big difference:
- Pay bills and finance agreements on time
- Register on the electoral roll at your current address
- Keep credit balances low and within limits
- Avoid making multiple credit applications in a short period
- Check your credit report regularly and correct any errors
Types of car finance available
Who can apply with CreditCar?
We believe in second chances and welcome applications from people with a wide range of credit backgrounds.
You can apply even if you've experienced:
- Bad credit or a low credit score
- Missed payments, defaults, or arrears
- Previous finance rejections
- CCJs or IVAs
- Bankruptcy (current or discharged)
- Limited credit history
Our application process is designed to be simple, supportive, and stress-free.
Why choose CreditCar for bad credit car finance?
Strong network of specialist lenders
We work with lenders who understand poor credit and offer flexible finance solutions.
Personalised advice and support
Our experienced advisors take the time to understand your needs and guide you honestly.
A wide range of vehicles
Choose from a large selection of quality used cars to suit different budgets.
Flexible payment options
Finance structures designed to help you stay in control of your repayments.
Don't let bad credit hold you back
We don't believe a credit score should define you. Whether you're commuting to work, running a family, or simply want the freedom of having your own vehicle again, CreditCar is here to help. We'll treat you as a person - not a number - and work with you to find a way forward.
Ready to apply?
It only takes a few minutes to apply online for bad credit car finance. Once submitted, we'll do the rest - matching you with suitable lenders and helping you find the right vehicle.
- Bad credit accepted
- No obligation to proceed
- Fast decisions
- Multiple lenders
No impact on your credit score
CreditCar is a credit broker, not a lender. Finance is subject to status and income. Representative APR and example figures shown are for illustration only. Written quotations available on request.
We work with a limited panel of carefully selected finance providers. We may receive commission from lenders, which does not affect the rate offered to you. All finance applications are subject to status, affordability checks, and terms and conditions.
BMNC Limited trading as Credit Car | Company No: 16714761
Registered office: Hillside, Smithies, Wakefield Road, Barnsley, S71 1NG
Authorised and regulated by the Financial Conduct Authority. FCA FRN: 799087