Bad Credit Car Finance

Bad Credit Car Finance

With specialist lenders we can help you obtain bad credit car finance. We understand that some people might not get accepted for car finance due to bad credit, we are here to help.

  • CCJs
  • Arrears
  • Defaults
  • Self Employed

Representative APR of 27.9%


We only do a soft credit search that doesn't affect your credit score.


We can even offer car finance with no deposit.


We understand that different people have different credit histories.


Our car finance options are top rated by our clients.

How to obtain bad credit car finance?

For people with bad credit, it can often be a frustrating and scary experience when the time comes to buy your new car.

We, at Carvine, are working with specialist lenders that can help you secure car finance even if you are struggling with bad credit.

What does bad credit mean?

Bad credit means that you have a bad credit history and in the past, you may have been late in making repayments for previous purchases when they were due.

Bad credit can mean defaults, CCJs and missed payments in general.


What is bad credit car finance?

Bad credit car finance is designed for people with poor credit.

Even if you have a poor or bad credit there is still a good possibility of being approved for car finance.

Working with the UK’s top lenders we can compare the market to find the best poor credit car finance deals to suit your budget.

No deposit is necessary and no fees or costs will be added to your used car purchase.

If you are looking for bad credit car finance you are in the right place, Our approval rates are very high, even if your credit is bad we can help.

We have years of experience in helping people, you are in safe hands with us, just take a look at our reviews.

Bad credit car finance FAQs

Yes. You can choose your new or used car from any reputable dealer, what’s more if you’re struggling to find your perfect car we have car sourcing teams on hand to help find the car that’s right for you. What’s more we can even deliver the car to you.

We carry out a soft search on your credit report which doesn’t have any affect on your credit report as at this stage no footprint is left. This will also provide us with your proof of address and income validation, most of our decision making processes are made from proving the affordability to make the repayments and not your previous credit history. 

We can usually help in any instance as long as you bank your income we can usually obtain a great finance deal for you.

Yes we can help, we will be required to show authority from your administrator to allow you to take finance out, this is usually a formality.

We welcome this. We pride ourselves on helping all of our service personnel.

Usually we automatically approve your application with minimal paperwork as long as you bank your income, usually our automated checks can validate this for you. All you’ll need to send is a copy of your photo card driving licence, we’ll send a unique link to our secure portal for you to upload this. We’ll check to ensure we have the correct details from your application such as name, address and date of birth. At this point, your full approval is in place and you’re ready to start looking for your new / used vehicle. 

You might be asked to provide further details of income if our systems can’t validate this for you, such documents include (if self employed) either last years tax return or your latest three months bank statements. If employed you might be asked to provide up to 2 months payslips.

Usually the minimum lend is £4,000.00

This is set by your affordability we automatically check your income against your expenditure to give us your maximum monthly available instalment amount. When we have your full acceptance this will be sent to you by email.

No, there are no admin fees charged by us. 

Yes you can. The selling dealer can offer you a price on this however, we can also tell you the recommended trade in price for your car in order to make sure you get the best price for your car.

Simply call or email a link of the car you’re looking at and we can check the recommended sales price for the car, send you the repayment details and HPI check the vehicle for you, if you are happy we can email you the documents and arrange the payout for you.

Yes. Once all of your repayments have been made you will be the legal owner of the vehicle. Sometimes there is an option to purchase fee which will vary but usually this will be no more than £10.00 to £20.00 which is charged on your last months payment. 

Yes. We approve the majority of cases sent to us, as long as we can see you are able to afford the repayments we can generally find an appropriate finance option to suit you.

As long as you can demonstrate you can afford to make the repayments we can usually help as there are some funders that do not require employment income.

Nobody can offer this. You must demonstrate you have the affordability to make the repayments comfortably, however we have lending options which can usually help no matter what your circumstances. There is no obligation to take the finance offer so why not see how we can help you?

Carvine we will never offer you a guarantor loan product, why would a guarantor pay the high rates when they could take out a low APR rate loan in their own name? Remember they are ultimately responsible for repaying the loan anyway.

Unsure if you will be accepted for car finance?

Use our bad credit car loan eligibility checker that does not affect your credit rating.

Declined car finance before?

If you have been declined for car finance before then you’re in the right place. We allow you to find your finance and purchase through any reputable dealer throughout the country.  

We access lenders that specialise in helping those with bad credit, therefore we can help you to get the car finance you need at the lowest price available to you.

Our lenders base their decision on affordability to make the repayments and not just from your credit report. 

As a result, if you are looking for bad credit car finance you are in the right place.

What we can do to help?

We offer specialist bad credit car finance packages for people with bad and poor credit histories.

Experienced in helping those who may have had issues in obtaining credit they will find the most appropriate lender to suit your individual circumstances.

Brokers and lenders may actively promote something that is referred to as ‘guaranteed car finance’ but the reality is nobody can guarantee you’ll be accepted for car finance. However we can usually help where others can’t.


Borrowing £7,500 over 4 years with a representative APR of 27.9%, an annual interest rate of 27.9% (Fixed) and no deposit, the amount repayable would be £244.77 per month, and total cost of credit would be £4,248.96 and the total amount payable would be £11,748.97*

*Your rate may differ from the above illustration due to your individual circumstances. All credit subject to status.

We are a broker not a lender.

Authorised and regulated by the FCA – FRN – 727280. Carvine is a trading name of Skyemotion Ltd. Carvine only introduces finance enquiries to Skyemotion Ltd. All finance is subject to income and status. Written Quotation on request. We process your personal information in accordance with the data protection act. ICO Registration No. ZA135017.Office 25 The Old School, 188 Liscard Road, Liscard, Wirral, CH44 5TN