Bad Credit Car Finance UK
My Preferred Monthly Payment
Rates from 4.9% APR. Representative 29.8% APR.
Find My Finance Limited is a credit broker, not a lender.
Bad credit doesn’t have to stop you from getting on the road.
At Find My Finance, we specialise in helping people secure bad credit car finance, even if they’ve been declined elsewhere. We work with a panel of specialist lenders who look at more than just your credit score.
Can I Get Car Finance with Bad Credit?
Yes — in many cases, you still have options.
We regularly help customers who have experienced:
Missed or late payments
Defaults or CCJs
Low credit scores
Previous IVAs or bankruptcy
Limited or no credit history
Every application is assessed individually, and our focus is on finding a realistic and affordable solution based on your current circumstances.
Trusted by Real Customers
We’re proud of the feedback we receive from customers across the UK. Our Google reviews reflect our commitment to clear advice, friendly service, and a stress-free car finance experience.
Ready to Explore Your Car Finance Options?
Get started in just a couple of minutes. Tell us your budget or the car you’re looking for, and we’ll be in touch to talk through your options — no pressure, no obligation.
Types of Car Finance We Can Help With
We help customers access a range of car finance options, including:
Personal Contract Purchase (PCP)
Hire Purchase (HP)
Used car finance
New car finance
Our team will explain the differences and help you choose the option that works best for you.
Who Can Apply?
Our car finance service is available to a wide range of customers, including those with:
Good or excellent credit
Limited credit history
Self-employment income
Part-time or contract work
If you’re worried about your credit history, we also offer specialist Bad Credit Car Finance options.
Frequently Asked Questions
Will bad credit automatically mean I’m declined?
No. Many lenders consider more than just your credit score and look at your current financial situation.
Can I still apply if I’ve been declined elsewhere?
Yes. Being declined by one lender doesn’t mean others won’t consider your application.
Will my credit score be checked?
Any full credit check will be explained before proceeding. Your initial enquiry will not affect your credit score.
Do I need a guarantor?
Some lenders may offer guarantor options, but it isn’t always required. This depends on your circumstances.
Can bad credit car finance help improve my credit score?
Making payments on time can help demonstrate responsible borrowing, which may positively impact your credit profile over time.
Is there a minimum income requirement?
Income requirements vary by lender. We’ll assess your situation and advise what options may be available.
Still have questions? Our friendly team is happy to help.
