Poor Credit Car Finance
All circumstances considered, apply without affecting your credit score.
Representative APR 23.9%
Poor Credit Car Finance
All circumstances considered. Apply without affecting your credit score.
Representative APR 23.9%
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
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!
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.
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!
A quick and hassle-free process
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!
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.
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!
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!
or call 01246 458 810