Can I get car finance with bad credit?

We believe that buying a car should be easy for everyone and that bad or poor credit shouldn’t stand between you and your vehicle.

At Car Loan 4U we work with a wide range of lenders who offer many different loans, putting us in the best position to help you with car finance. We’re committed to responsible lending so we’ll only offer you loans you can afford, which means when you drive your car away you can feel confident that you’ve got the best deal.

Who we can help

There are many causes of “bad credit” so we always look at your individual circumstances when you apply for car finance.

Tips for applying with bad credit

There are a few steps you can take which will improve your chance of being accepted for car finance if you have bad credit, and also help you to get a better deal on your loan.

How applying for a car loan affects your credit rating

When you first apply with us we do a “soft search” on your credit history, which is not visible to other lenders. If it’s obvious that we won’t be able to help you with car finance at this point in time we will not conduct any hard searches and your credit profile won’t be affected at all. If we can accept you we will do hard searches at some point during the process (on average we do 2 for each customer) so that we can find you the best car loan for your circumstances.