• CCJs, IVAs, defaults, arrears
  • All circumstances considered
  • Soft search, no credit footprint
  • Buy from any reputable dealers
  • Representative APR 23.9%

Car Finance Calculator

1. My credit score is
Typical rate 6.9% APR*
Total Cost of Credit: -
Total Payable: -
*for illustration purposes only
3. To repay over
Monthly repayments
-
Typical rate 6.9% APR*
Total Cost of Credit: -
Total Payable: -
*for illustration purposes only

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My Car Credit is a credit broker and not a lender. Some of our 34 lender partners are shown below:

I have bad credit; will I be able to get car finance?

Can I get car finance with bad credit? It’s something that we get asked a lot. First of all, don’t panic! At My Car Credit, we take a reasoned approach to car finance and have a large panel of lenders to find the right car finance lender for your circumstances.

 

We understand that there are several reasons that you might have a bad credit profile. Whilst other car finance companies may have claimed that they couldn’t help you, we’ll try every possible way to find a car finance deal for you.

 

We know that sometimes you simply haven’t had enough time to build up a reasonable credit history or that your self-employed status leaves you with fewer ways to prove your income.

 

Our approach centres on looking at you as an individual and not numbers on a bad credit score. Regardless of whether your bad credit history has been caused by CCJs, IVAs, mortgage defaults or late bill payments, we remove judgement from your application and try all possible routes to find a car finance option that works for you.

I have bad credit; will I be able to get car finance?

Can I get car finance with bad credit? It’s something that we get asked a lot. First of all, don’t panic! At My Car Credit, we take a reasoned approach to car finance and have a large panel of lenders to find the right car finance lender for your circumstances. We understand that there are several reasons that you might have a bad credit profile. Whilst other car finance companies may have claimed that they couldn’t help you, we’ll try every possible way to find a car finance deal for you.

 

We know that sometimes you simply haven’t had enough time to build up a reasonable credit history or that your self-employed status leaves you with fewer ways to prove your income.

 

Our approach centres on looking at you as an individual and not numbers on a bad credit score. Regardless of whether your bad credit history has been caused by CCJs, IVAs, mortgage defaults or late bill payments, we remove judgement from your application and try all possible routes to find a car finance option that works for you.

Need advice or information?

A quick & hassle-free process

We’re proud to be known for our quick and stress-free approach to bad credit car finance.

Number one in car finance application process

GET APPROVED

Before you’ve even selected a car, we’ll arrange your car finance.

Number two in car finance application process

FIND A CAR

Once your finance option is sorted, it’s time to select the new or used car that you want.

Number three in car finance application process

SIGN & COLLECT

We’ll transfer funds to your chosen car dealer by the next working day.

Approachable bad car credit specialists

When you apply for car finance with My Car Credit, you will be assigned your own Car Credit Specialist. All our specialists are experienced in handling bad credit car finance and will help to guide you through the entire process to make your experience stress-free. They are also on-hand to give you advice and guidance for improving your bad credit profile.

 

You can also get a FREE credit report from Credit Angels.

 

At My Car Credit, our team have a reputation for their openness and professionalism – we have helped lots of bad credit customers to secure car finance for their dream car. Don’t take our word for it: read some of our customer feedback below!

Silver Ford Focus bought on poor credit car finance

Approachable bad car credit specialists

When you apply for car finance with My Car Credit, you will be assigned your own Car Credit Specialist. All our specialists are experienced in handling bad credit car finance and will help to guide you through the entire process to make your experience stress-free. They are also on-hand to give you advice and guidance for improving your bad credit profile.

 

You can also get a FREE credit report from Credit Angels.

 

At My Car Credit, our team have a reputation for their openness and professionalism – we have helped lots of bad credit customers to secure car finance for their dream car. Don’t take our word for it: read some of our customer feedback below!

Blue mini side view bought with poor credit car finance

Ready to get the ball rolling?

Need advice or information?