Bad credit?
You can still get car finance.

There is no universal minimum score. Specialist lenders weigh up affordability, how stable your income is, how old the adverse credit is and whether you can put a deposit down. A default from three years ago carries far less weight than a missed payment last month. Nobody can honestly promise guaranteed acceptance — but low scores get approved through us every week.

No. Your initial enquiry with us is a soft search, which only you can see on your file. Nothing that affects your score happens until you have seen your options and told us to proceed with a specific lender.

Not always — there are no-deposit options for adverse credit. That said, a deposit of even £500 to £1,000 widens the pool of lenders willing to look at you and usually pulls the monthly payment and the rate down.

Yes, and it is one of the most common reasons people come to us. Most dealerships run your application past one or two lenders on their panel; if those two decline, that is the end of it for them. We introduce you to a much wider panel, including lenders who never deal with the public directly.

Adverse credit deals carry higher APRs than prime lending — that is simply how lenders price the extra risk. The lender sets out the APR, the monthly payment and the total amount repayable in writing before you commit to anything, so there are no surprises later.