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Bad Credit Car Finance

All circumstances considered, apply without affecting your credit score.

Representative APR 23.9%

Colourful leaves behind a silver car bought with bad credit car finance

Bad Credit Car Finance

All circumstances considered. Apply without affecting your credit score.

Representative APR 23.9%

Silver car with colourful leaves for fast car finance
My Credit Rating

Excellent

  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed

Good

  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs

Fair

  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit

Poor

  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past

Bad

  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan
£

X monthly repayments of
£X

Typical rate

Loan amount

Total payable

X% APR*

£X

£X

*for illustration purposes only

No impact on your credit score

Representative Example

Borrowing £7,500 at a representative APR of 23.9%, annual interest rate (fixed) 23.88%, 47 monthly payments of £234.69 followed by 1 payment of £244.69, total cost of credit is £3,775.12, total amount payable is £11,275.12.

My Car Credit is a credit broker and not a lender.

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

Red number one icon for get approved for poor credit car finance

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!

Yellow number two icon for find a car from any reputable dealer

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.

Blue number three icon for sign and collect new car bought with poor credit car loan

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!

Colourful my car credit behind red Renault purchased using bad credit car loan

A quick and hassle-free process

Red number one icon for get approved for poor credit car finance

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!

Yellow number two icon for find a car from any reputable dealer

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.

Blue number three icon for sign and collect new car bought with poor credit car loan

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!

Smiling poor credit car specialist on phone speaking to car finance customer

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!

Found the whole process very easy. I have bad credit so wasn't expecting to be accepted. Communication was prompt and the full process very efficient, no long queues on the phone either. I had my own advisor, Liam who guided me through the process but all the advisors I spoke with when returning missed calls were very good to talk to.

Katie B
11th Oct 2019

I am very passionate about customer service and the treatment I got from My Car Credit was first class - so friendly, so helpful, and most importantly, didn’t make me feel embarrassed for having bad credit and got the job done. Thank you, My Car Credit.

Oliver T
24th Aug 2018

Fantastic company, got me credit even with my bad credit history. My agent was fantastic, always there to help and so was the rest of the team. Five stars.

Mark R
30th Aug 2018

I applied online and within the hour I was called by a member of Staff. They provided a great service throughout the whole process and were able to confirm the maximum a lender is willing to lend me with 0% deposit and bad credit history within hours. Overall, I was happy with my experience and would definitely recommend others.

Zee
22th Oct 2019

I used My Car Credit thinking I couldn’t ever get credit for a new car after having bad credit from being a student nurse and straight away they were on the case. They knew I was now in employment and the circumstances and wanted to help. They managed to get me the car I wanted and I’ll certainly be recommending My Car Credit.

Maria J
7th Feb 2019

I was refused credit everywhere else, I applied with my car credit and I was approved straight away. Within 1 week I had my new car, no fuss, no long paperwork back and forth, super friendly and professional people, would 200% recommend. Thank you.

Vanda A
17th Jan 2019

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!

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