Bad Credit? We’ll simplify your
car finance journey

Get your Car Finance with
Choose My Car

Get a Quote Does Not Affect Your Credit Score

Representative 21.4% APR

4.7 out of 5

No Obligation
No Fees
Bad Credit? No Problem!

£8,000
4 Years

48 monthly repayments

£356.94

Best available rate 6.9%

Total cost of credit £1,069.12

Total repayment £8,569.12

48 monthly repayments

£356.94

Best available rate 6.9%

Total cost of credit £1,069.12

Total repayment £8,569.12

Representative example:

Borrowing £6,500 over 48 months with a representative APR of 21.4%, an annual interest rate of 21.4% (Fixed) and a deposit of £0.00, the amount payable would be £196.24 per month, with a total cost of credit of £2,919.52 and a total amount payable of £9,419.52

  • No Obligations
  • No Fees
  • Get Dedicated Customer Support
  • Car Finance to Match Your budget
  • FCA Authorised and Regulated
  • Buy From Any Reputable Dealer
  • Over 30 Finance Options

ChooseMyCar are experts in bad credit car finance.

Bad credit doesn’t have to mean you can’t buy a car. As car finance specialists, we know how difficult it can be to secure the right deal. That’s why we always go the extra mile to find the best deal for your individual circumstances.

Here are just some of the ways we can help:

CCJ's, defaults
and arrears


Our network of trusted lenders can help you find finance, even if you have CCJ’s arrears, IVA’s or a debt management plan. It may be that you’re self-employed. Whatever your situation, we could help.

Applying won’t affect your credit score


To work out the affordability of any loan, simply use our quick finance calculator to see what you could borrow. Or, apply on choosemycar.com to view your options. All without affecting your credit score.

Approved, reputable dealerships


All our trusted dealerships are handpicked by our experts. That means quality cars, from quality dealerships. So, you can feel safe in the knowledge that your experience will be smooth from beginning to end.

Representative
21.4% APR


We’re always transparent with our finance deals. Plus, we always find you the best rate. For starters, our representative APR is just 21.4%. Because putting you first is what we do best.

Let's get
you started

Applying with us only takes a couple of minutes and won't affect your credit score

Frequently Asked Questions

It is possible to get car finance with bad credit. Many lenders provide loans and finance options specifically for people with bad credit.

Personal loans can be a great car finance option if you have bad credit. And a guarantor loan may help you avoid higher interest rates; this is where a friend or family member co-signs the loan, agreeing to meet payments if you’re unable to.

With pre-approval on a personal loan, you can walk into the dealership like a cash buyer. You can be in a better position to negotiate on price. And you can avoid the stress of the finance office.

A voluntary termination agreement lets you cancel your car finance early. By law, you can voluntarily terminate a HP or PCP contract.

You can cancel HP and PCP agreements if you've paid back 50% of the total finance amount - and if the car's in good condition. The PCP balloon payment is included in the 50% - so you'd have to pay half of this too.

Not repaid enough yet? You may be able to pay the difference up front and then cancel the contract. But if you terminate after you've already repaid over 50%, you won't receive a refund.

Bear in mind, voluntary termination may appear on your credit file. But it probably won't affect your score.

You shouldn’t buy (or sell) a car with outstanding finance. Essentially the debt will be passed onto you, and you could become liable to repay the existing amount.

According to HPI, one in three cars sold have an active finance agreement. Reputable dealers will perform checks to make sure their cars don’t have outstanding finance. But you should carry out HPI checks yourself - especially if you’re buying from a private seller.

If you unknowingly buy a car with outstanding finance, you have the right to keep it. But the finance company may look to you for payment. Keep any receipts and details of the sale so you can prove you bought the car in good faith.

Your credit file is checked if you apply for car finance. And you’ll usually have to provide proof of ID, address, and income. The specific documents you’ll need ultimately depend on the finance provider you go with.

Providers will check your credit score when you apply - initially via a soft search. They’ll perform a hard credit check if you choose to enter into a contract with them. Most lenders will need to see your driving licence - full or provisional. You may also be asked to provide:

  • Your passport - for proof of ID
  • Utility bills or council tax letters - for proof of address. These usually need to be dated within the last three months.
  • Payslips - for proof of income and to make sure you can afford the payments. Some providers may ask to see a few months' worth.
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