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Poor Credit Car Finance

All circumstances considered, apply without affecting your credit score.

Representative APR 13.9%

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

Poor Credit Car Finance

All circumstances considered. Apply without affecting your credit score.

Representative APR 13.9%

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 13.9%, annual interest rate (fixed) 13.85%, 47 monthly payments of £201.38 followed by 1 payment of £211.38 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £2,176.24, total amount payable is £9,676.24.

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

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.

A quick and hassle-free process

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

Get approved

Complete our online car finance application form for an instant answer on car finance. Our soft search decision won’t impact your credit score!

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

Find a car

You can find a car first or apply for car finance and then look for a car – we don’t mind! Choose from any reputable car dealer.

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

Sign & Collect

Sign your paperwork online, from the comfort of your home. We’ll transfer funds next working day, ready for you to collect your car!

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

A quick and hassle-free process

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

Get approved

Complete our online car finance application form for an instant answer on car finance. Our soft search decision won’t impact your credit score!

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

Find a car

You can find a car first or apply for car finance and then look for a car – we don’t mind! Choose from any reputable car dealer.

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

Sign & Collect

Sign your paperwork online, from the comfort of your home. We’ll transfer funds next working day, ready for you to collect your car!

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

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 Experian.

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.

After a difficult divorce and losing my job I thought my credit file would never allow me to rebuild my life. I first called My Car Credit and told them my journey. I was encouraged to apply and told I would receive an answer quickly... so I did, the next day I was arranging to collect my dream car... Audi Sports Convertible. Onwards and upwards, THANK YOU!

Nicky
17th Oct 2019

Looking for car finance with a not-so-perfect credit score was a daunting thought. Then I found My Car Credit. All I can say is what a simple and easy process the online application is, no pressure sales at all, very patient with my questions, excellent service, which is few and far between these days. Only took 4 days from my application to have the funds paid out to the dealership, now the owner of a nearly new car. I couldn’t be happier, and the interest rate was far better than anticipated.

Matt R
24th Aug 2018

The application process was really easy. Identifying our car was quick, especially as we knew what we wanted and then the purchase process was seamless! Our advisor was really helpful throughout the process and now we have a new car for a price that is affordable even with our poor credit.

Chris MT
27th Sep 2018

I had an amazing experience with this company. After being refused elsewhere and feeling down, this company was like a breath of fresh air. The customer service was second to none. Got everything done promptly with no hassle. Definitely recommend.

Shahida
28th Sep 2019

Much more efficient and friendly than the main name competitors and found me a 25% lower rate. They also let you get on with your day to day without constantly hounding and calling like other companies, but at the same time still communicate effectively.

Rhys T
27th Feb 2019

Great company to deal with. Agreed finance even though my credit score was low, not through bad credit but through little credit.

Claire M
11th July 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!