• 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 poor credit; will I be able to get car finance?

Can I get car finance with poor credit history? This is something we hear a lot, so don’t despair! At My Car Credit, we understand that there can be lots of reasons for a poor credit profile. We combine a wide panel of 34+ lenders with a sensible approach to selecting the right car finance lender for your circumstances. This means that we may be able to approve you for car finance where others haven’t been able to.

 

Your poor credit history could be the result of CCJs, mortgage defaults, IVAs or bills that have been paid late. It could be that you’re self-employed, with no proof of income, or that you simply haven’t built up a credit history yet.

 

Whatever the reason, we look at every case individually, without judgement – we aim to always find you the most suitable car loan for your circumstances at a great rate.

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

Can I get car finance with poor credit history? This is something we hear a lot, so don’t despair! At My Car Credit, we understand that there can be lots of reasons for a poor credit profile. We combine a wide panel of 34+ lenders with a sensible approach to selecting the right car finance lender for your circumstances. This means that we may be able to approve you for car finance where others haven’t been able to.

 

Your poor credit history could be the result of CCJs, mortgage defaults, IVAs or bills that have been paid late. It could be that you’re self-employed, with no proof of income, or that you simply haven’t built up a credit history yet.

 

Whatever the reason, we look at every case individually, without judgement – we aim to always find you the most suitable car loan for your circumstances at a great rate.

Need advice or information?

A quick & hassle-free process

We’ve built up a reputation for having a fast and stress-free approach to poor credit car finance.

Number one in car finance application process

GET APPROVED

Arrange your car finance before you’ve even found your car.

Number two in car finance application process

FIND A CAR

Choose the car you want, new or used, from any car dealer.

Number three in car finance application process

SIGN & COLLECT

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

Approachable bad car credit specialists

When you apply for car finance with My Car Credit, you will be looked after by your own Car Credit Specialist. They are experienced in handling poor credit car finance and will hold your hand throughout the process, ensuring your experience is hassle-free. They can also provide advice and guidance on how to improve your poor credit profile.

 

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

 

Our team are known for their approachability and professionalism – they have helped lots of poor credit customers secure car finance to buy the car of their dreams. You can read some of our customer feedback below.

Silver Ford Focus bought on poor credit car finance

Approachable car credit specialists

When you apply for car finance with My Car Credit, you will be looked after by your own Car Credit Specialist. They are experienced in handling poor credit car finance and will hold your hand throughout the process, ensuring your experience is hassle-free. They can also provide advice and guidance on how to improve your poor credit profile.

 

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

 

Our team are known for their approachability and professionalism – they have helped lots of poor credit customers secure car finance to buy the car of their dreams. You can 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?