Calculate Your Budget
This calculator is for illustrative purposes only & the actual rate you receive depends on your individual circumstances.
Can I get approved with CCJs & defaults?
We have specialist lenders on our panel who help motorists with CCJ’s. You may need to prove your employment income. We may be able to get an auto-acceptance which means that you don’t need to provide any information. We do not need a guarantor or joint applicant who has a good credit rating.
Does applying for a car loan affect my credit score?
First, we do a ‘Soft Credit Search’ in order to give you a personalized quote this has no effect on your credit report. If you’re happy with your personalized loan offer, APR and monthly repayments, we will then conduct a full credit search on completion of your car purchase.
I'm self employed, can you help me get a car loan ?
We have lenders on our panel who are experts in helping self-employed customers with poor credit. If you’re SELF-EMPLOYED and looking to get a new vehicle financed, we may need to see 3 months bank statements as proof of your income depending on your specific criteria.
I have a bankruptcy, can I still apply?
If you’ve been discharged from your bankruptcy, we can usually help you. All you need to do is fill in the online finance application and one of our experts will be in touch with you shortly to advise your loan terms. We cannot guarantee your car finance acceptance.
Bad credit probably means that you have a poor credit history in the past and may have been late in making repayments for previous purchases when they were due. However, even if you have a poor credit score there is still a good possibility of being approved for car finance. Working with the UK’s top lenders we are able to compare the market to find the best bad 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 approvals rates are high. So even if your credit history is bad we can often help.
For those seeking bad credit car finance, it can often be a frustrating and scary experience when the time comes to change your car or van. We have years of experience in helping people so you are in very safe hands with us, just take a look at our Trust pilot reviews.
Working with specialist funders that can help you with bad credit or poor credit histories get the car you need.
If you have been declined for car finance 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 or poor credit histories, 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?
Here a Carvine we offer specialist finance packages through our sister company and specialist broker Skyemotion. 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.