Bad Credit Car Finance
All circumstances considered, apply without affecting your credit score.
Rates from 9.9% APR.
Representative APR 10.9%



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.
A quick and hassle-free process
Get approved
Use our car finance online application form for a quick answer on car finance. Our decision using soft search won’t impact your credit score!
Find a car
Find your car first or apply for car finance and then find a car – so long as it’s from any reputable car dealer.
Sign & Collect
Approve your paperwork online, from the comfort of your home. We’ll transfer funds next working day, and you’re ready to collect your car!
A quick and hassle-free process
Get approved
Use our car finance online application form for a quick answer on car finance. Our decision using soft search won’t impact your credit score!
Find a car
Find your car first or apply for car finance and then find a car – so long as it’s from any reputable car dealer.
Sign & Collect
Approve your paperwork online, from the comfort of your home. We’ll transfer funds next working day, and you’re ready to collect your car!
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 Experian.
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!
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 Experian.
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!
Require more help?
Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!