Bad Credit Car Finance

BAD CREDIT, CCJs & DEFAULTS ACCEPTED

Bad Credit Car Finance

Finance any car

Instant decision

No deposit needed

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🔒 No impact on your credit score

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Rated 4.9 out of 5 stars

CarFinanced specialises in bad credit car finance for customers who have been refused car finance elsewhere. Whether you have a CCJ, defaults, a low credit score, or a poor credit history, we search our full lender panel to find the right deal for your situation. Our soft search check won’t impact your credit score — so there’s nothing to lose by applying. FCA regulated. Bad credit loans considered. Apply free today.

CarFinanced is a credit broker not a lender. Representative example: Borrowing £5,500 over 4 years with flat rate of 10.4% and a representative APR of 19.8%, and a deposit of £0, the amount payable would be £162 per month, with a total cost of credit of £2,282 and total amount payable of £7,782. Finance subject to status. 18+ only.

Making car finance simple for 10,000+ customers

“I’ve used CarFinanced after being recommended by a friend and I’m so glad I did. Hass was brilliant from start to finish — kept me updated throughout and made sure I understood everything before signing anything. Got a great rate and the whole thing was sorted quicker than I expected. Will definitely be coming back when it’s time to upgrade.“

“Quick, simple process. My account manager was great throughout. Very helpful, professional and quick with responses to any questions I had”

“I’ve bought many cars using finance companies in the past but none have been as good as CarFinanced. Special thanks and shout out to Hass for overseeing the process and ensuring I got the best deal on my new car in a very quick turnaround also.”

“Honestly wasn’t sure what to expect but CarFinanced made the whole process really straightforward. Hass sorted everything out for me and was always on hand to answer any questions I had. Got into my new car way faster than I thought possible. Great service all round.”

How CarFinanced Works

Apply online — we run a soft search

Complete our quick online form & get matched with the best car finance deal in minutes.

Approval in principle

Sit back while we handle the admin and find you the best car finance deal.

Get approved and drive away

Choose a car—we’ll handle the finance and part-exchange.

We work with trusted car finance partners only to provide you with the best options

Why Choose CarFinanced for Bad Credit Car Finance

Finding you the best deal

We search our whole lender panel — including specialist bad credit lenders — to find you the most competitive deal, even with CCJs, defaults, or a low credit score.

Personalised Support

Your dedicated account manager understands bad credit and will guide you through the process, helping you find a lender suited to your circumstances.

Convenience

Apply in minutes, get an in-principle decision fast, and access car finance even if you've been refused before. No deposit required.

Trust

FCA regulated and trusted by 10,000+ customers. We never hard search your credit file without your permission — protecting your score throughout.

Frequently Asked Questions

Can I get car finance with bad credit?

Yes. CarFinanced works with a panel of specialist lenders who consider all credit scores, including bad credit, poor credit, CCJs, defaults, and missed payments. Having a bad credit history does not automatically mean you will be refused — we find lenders who look at your full financial picture.

Can I get car finance with a CCJ?

Yes. We have lenders on our panel who accept applications from customers with County Court Judgements (CCJs). The likelihood of approval can depend on the size and age of the CCJ, your current financial situation, and your income — but it is absolutely worth applying.

Can I get car finance with defaults on my credit file?

Yes. Defaults do not automatically prevent you from getting car finance. Our specialist lenders consider customers with satisfied and unsatisfied defaults. We will match you to the most appropriate lender for your circumstances.

I've been refused car finance before — can you still help?

Yes. Many of our customers have been refused car finance by banks or dealerships before coming to CarFinanced. We work with lenders who specialise in this area and assess applications that mainstream lenders decline.

Will applying affect my credit score?

No — not initially. Our eligibility check is a soft search and leaves no mark on your credit file. Only if you choose to proceed to a full application will a hard search be conducted, and we will always inform you before this happens.

What credit score do I need to get car finance?

There is no minimum credit score required to apply with CarFinanced. We work with lenders who consider all credit profiles — from excellent to very poor. The decision is based on your overall financial situation, not just your score.

Can I get bad credit car finance with no deposit?

Yes. Zero deposit options are available for bad credit customers through CarFinanced, subject to lender approval. Some lenders may ask for a deposit if your credit history is very poor, but this is assessed case by case.

How does bad credit car finance work?

You apply online, we run a soft credit search against our lender panel, and return an in-principle decision. We then match you to the most suitable lender for your credit history. If you proceed, the lender runs a full application and, once approved, you choose your car and complete the finance.

Ready to get your next car?

Rated 4.9 out of 5 stars

SAF Approved

About us

We pride ourselves on helping as many people as possible drive away in the car they want, without compromise. We understand that every car buyer has a different set of circumstances, so we work tirelessly to ensure we find the right car finance deal for you. Get your personalised quote today.

Get your quote here

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Contact info

CarFinanced is a trading name of CarFinanced Limited. Registered address: The Charter Building, Charter Place, Uxbridge, UB8 1JG, England. Company number: 13109658.

VAT reg number: GB479628529. Information Commissioners Office (ICO) under registration number: ZA847951.

CarFinanced Ltd t/a CarFinanced is authorised and regulated by the Financial Conduct Authority under reference number 1014460.

We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. Depending on the supply route of your vehicle, we may charge a separate administration fee of £299. We will receive a commission from our panel of lenders when a finance agreement is successfully arranged. This commission may be a fixed fee or a fixed percentage of the amount borrowed, this does not influence the interest rate you’re offered in any way. All finance is subject to status and income. Applicants must be 18 or over.

BAD CREDIT, CCJs & DEFAULTS ACCEPTED