fbpx

Poor Credit Car Finance

  • No deposit options
  • No arrangement fees†
  • No obligation quote
  • All Credit history’s welcome

Poor Credit  Doesn’t Mean No Car – Let Quickcarfinance Show You Why

If you’ve got a poor credit score for whatever reason, it doesn’t mean you can’t get a set of wheels. We’re used to dealing with all types of credit histories and we have access to some of UK’s top car loan lenders so we could get the right deal for you. What’s more, thousands of happy customers trust us which is why we have such a high rating on Trust Pilot. It’s your turn to be one of our happy customers too! When you use Quick Car Finance there are no deposit options avalible, no arrangement fees and our quotes come with absolutely no obligation whatsoever.

We’re bad credit car finance experts and we will search our panel of lenders for the best we can offer deal to suit your budget.

Got Bad Credit? 

We don’t want you to worry – there’s enough to worry about! Bad credit usually means that you have had problems managing debt in the past. Perhaps you’ve been late making repayments but having a bad credit score doesn’t mean that owning a vehicle is out of the question. We have lots of experience obtaining car finance for people in the same situation as you. We work together with some of the UK’s top lenders to compare our panel of lenders and try our to find you the best bad credit vehicle finance loans that work with your budget.

Will Your Loan Be Accepted?

We like to be completely transparent and won’t lie to you. The truth is it is difficult to know whether or not your vehicle loan application will be accepted just by examining your credit score. Lenders use that score as a “behaviour prediction”. This means that the lenders predict your future behaviour pattern based on your past behaviour pattern. Usually, that pattern is over a five year period. There are other reasons why a credit score might be “bad”, for example, you might have an unfair default which could be impacting your score more than you realise. If you make some enquiries and find this is the case, you could appeal for its removal and that would automatically improve your credit score.

We Work Hard for You

On a positive note, you are in the best possible hands because Quick Car Finance are bad credit finance experts and we will do everything we can to find the best deal according to your circumstances and budget.

What Finance Options Are Available

A bad credit rating doesn’t mean you have no car finance options. At Quick Car Finance, we have a selection of options available for bad credit scores and we’re proud that we’ve helped so many customers just like you.

Our finance experts are reliable, friendly and most of all, understanding. They are used to dealing with all sorts of credit histories and know that everyone has different circumstances. So, once we get to know what you need, we do all the hard work on your behalf searching for the best deal from our panel of lenders. That deal will be tailored to work within your budget and suit your income.

No deposit? No problem! We can try and find you a bad credit vehicle loan even if you haven’t got a penny to put down in some cases.

We can also help you to improve your credit rating by offering you impartial advice.

Want to find out how much you could borrow for your new car or your new motorbike? Try using our online car finance calculator.

If approved all you need to do is:

  • Choose a vehicle from any dealer
  • Agree your monthly repayments
  • Sign the paperwork
  • Collect your car

& the best part? It can sometimes all be done on exactly the same day!

Bad Credit – the FAQ’s You Want Answers To!

We’re sure you want to know how you can get accepted for a car loan on bad credit – here are all the answers to your burning questions!

1. I have a CCJ – Can I still get car finance?

No. We only initially apply a “soft credit search” which doesn’t affect your credit score. The soft search determines your personal quote and if you’re happy with it then we go ahead and perform a full credit search. However that’s when we can tell you if the loan is fully approved (subject to status).

2. If I apply for a car loan, will it affect my credit rating?

No. We only initially apply a “soft credit search” which doesn’t affect your credit score. The soft search determines your personal quote and if you’re happy with it then we go ahead and perform a full credit search. However that’s when we can tell you if the loan is fully approved (subject to status).

3. What about if I’m self-employed – can I still get car finance?

Yes. Our panel consists of lending experts who are all very experienced in dealing with self-employed customers with bad credit ratings. However, if you are self-employed and you want car or other vehicle finance we will ask to see three months’ of bank statements to show your income.

4. I have been declared bankrupt, does that mean you can’t help me get car finance?

This is more complicated and we can’t guarantee final acceptance of a car loan however, if your bankruptcy is discharged we may be able to get you the car finance you want. Start by applying here and one of our panel of experts will get back to you as soon as possible to discuss potential loan options.

Next Steps

As soon as you hear back from us with our no-obligation car finance quote and the lender has approved the loan, then it’s just up to you to choose the vehicle you want from any reputable car/van/motorbike/motorhome dealer in the UK.

To make it even more convenient for you, we can perform vehicle checks on your behalf. This is useful to make sure there’s no outstanding finance already on it. We will also do the paperwork and pay the dealer direct. All you need to do is sign the documents and provide some proofs of identification, collect your car and get on the road!