Bad Credit Car Finance

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Rates from 8.9% APR. Representative APR 22.9%

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Best available rate

XX% APR

Total cost of credit

£XXXXXX

Total repayment

£XXXXXX

XX Monthly Payments of

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Rates from 8.9% APR; the exact rate you will be offered will be based on your circumstances, subject to status

Representative Example: Borrowing £5,500 over 48 months with a representative APR of 22.9% (Fixed) and a deposit of £0.00 the amount payable would be £169.72 a month, with a total cost of credit of £2,646.56 and a total amount payable of £8146.56

Finance Your New Car With Motorly

Having a reliable car is essential for work, family life, and daily errands. Being refused car finance because of past credit issues can be frustrating, but bad credit doesn’t mean you can’t get approved. It just means finding the right lender.

If you’ve had late payments, arrears, CCJs, or simply have no credit history, Motorly can help. We take a finance-first approach, which means we help you arrange an affordable car finance agreement before you start looking for a car. That way, when you find the right vehicle, you already know the finance is secured and fits your budget.

As an independent credit broker, we work with a large panel of trusted lenders who specialize in helping customers with poor credit, bad credit, or limited credit history.

Our process starts with a soft credit check that won’t affect your credit score. You’ll get a quick decision, tailored quotes, and a clear understanding of what you can borrow before you start car shopping.

Whether you need no deposit car finance or want to rebuild your credit rating, Motorly makes the process straightforward and transparent.

What Is Bad Credit Car Finance?

Bad credit car finance is designed for people who’ve had credit problems in the past, whether that’s missed payments, defaults, CCJs, or no previous borrowing history.

Rather than automatically rejecting applications, specialist lenders assess your full situation including your income, affordability, and current circumstances to find a car finance deal that works for your budget.

It’s about proving you can manage repayments now, not being judged on past mistakes. At Motorly, the process starts with a soft credit check that won’t affect your credit score.

Many customers use car finance to rebuild their credit history by making consistent, affordable monthly payments over time.

Why Choose Motorly for Bad Credit Car Finance?

When it comes to bad credit car finance, who you apply through matters. Here’s why drivers choose Motorly:

Independent & FCA regulated – As a credit broker, we compare offers from multiple lenders rather than representing just one.

Soft credit checks – Your initial check won’t affect your credit file, so you can explore options without risk.

Large panel of specialist lenders – We work with lenders who understand that not everyone has a perfect credit history.

Fast decisions – Most customers get a decision within minutes with no hidden fees.

Flexible options – Whether you need no deposit car finance, a shorter term, or help rebuilding your credit score, we can help find what fits.

Our finance-first approach means you start your car search with confidence, knowing what you can borrow and afford.

Can Motorly Help If I Have No Credit History?

Yes. We can often help customers with no credit history or those new to the UK.

Having no previous borrowing record makes it harder for lenders to assess you, but it doesn’t mean automatic refusal. Our specialist lenders focus on your overall financial situation, not just what’s missing from your credit file. They consider your income, employment stability, and affordability to find the right car finance deal.

To apply, you’ll usually need to:

Be over 21 years old
Have lived in the UK for at least 3 years
Provide proof of income and address

Even if you don’t meet every requirement, we encourage you to make a no-obligation enquiry. Our team will explore available options without affecting your credit score.

Managing car finance responsibly can help you establish a positive credit history for future borrowing.

How To Apply For Bad Credit Car Finance

Applying for car finance with bad credit is straightforward with Motorly, and it’s completely risk-free.

Start with our car finance calculator – Enter how much you’d like to borrow and your preferred repayment period. You’ll instantly see an estimate of what your car loan could look like, including potential monthly repayments.

Apply online – Complete our quick quote form to start your application. We’ll perform a soft credit check that won’t affect your credit score.

Get matched with the right lender – We compare deals from specialist lenders who work with poor credit and no deposit applicants.

Review your options – Once approved, you’ll see your personalized quote including interest rate, term length, and total cost. You decide whether to proceed.

The sooner you apply, the sooner we can help you find your ideal car finance deal and get you back on the road.

How Long Does Car Finance Take?

Once you’ve completed your car finance application, the process moves quickly:

Instant decision – Many customers get an initial response within minutes.

24-48 hours – Most complete the full process, including approval and car selection, within one to two days.

Same-day approvals – If everything’s in order, some lenders can finalize your car finance on the same day.

Delays usually happen when extra documents are needed, like proof of income or ID, but we’ll guide you through that immediately.

Having your documents ready, such as payslips, proof of address, driving licence, helps speed up the process.

Can Car Finance Help Rebuild My Credit?

Yes. When managed responsibly, car finance can help rebuild your credit score over time.

Each monthly payment you make on time is recorded on your credit file and shows lenders you can manage credit reliably. Over 12-18 months, many customers see their credit scores improve significantly.

By completing your finance agreement in full and making consistent payments, you can move from poor credit to fair credit, which opens doors to better rates and more lenders in the future.

Setting up direct debits ensures you never miss a monthly payment, protecting your credit score and keeping your car finance on track.

Frequently Asked Questions

Can you help me get car finance if my credit history isn't great?

Yes. Many of our customers have bad credit, missed payments, or have been refused elsewhere, and they still get approved.

As an independent credit broker, we work with a panel of specialist lenders who focus on helping people with imperfect credit histories. These lenders don’t just look at your credit score. They assess your full credit history, income, and affordability to find a realistic car finance option that fits your budget.

Even with a low credit score, you can still qualify if you have stable income and can make regular monthly repayments.

I've been refused finance before. What makes Motorly different?

Being refused by a bank, car dealer, or another broker doesn’t mean you’re out of options.

We work with lenders who specialize in bad credit car finance and understand that your credit history doesn’t define your future. Our system matches your profile to the most suitable lender from our panel based on your circumstances, not just who offers the lowest rate, but who’s most likely to approve you.

We always start with a soft credit check, so your application won’t harm your credit score.

What happens after I apply for car finance?

Here’s the process:

Soft search – We perform a soft credit check with our panel of lenders. This doesn’t affect your credit file.

Lender match – We find the lender best suited to your needs, whether that’s the lowest rate, highest approval chance, or most flexible terms.

Pre-approval – The lender provides a provisional offer including estimated monthly repayments, deposit amount, and term length.

Full check – If you decide to proceed, a full credit check may be required to finalize the car finance agreement.

Vehicle selection – You choose your car, complete the paperwork, and arrange your deposit.

We stay with you through every step, and you’re never pressured into accepting a deal that doesn’t feel right.

Will applying for car finance affect my credit score?

Not initially. When you apply through Motorly, we use a soft credit check first. This only appears on your credit file to you and has no impact on your credit score.

If you decide to proceed with an offer, the lender may then perform a full check, but only after you’ve chosen to move forward.

This approach lets you explore your options without damaging your approval chances.

Do I need a deposit for car finance with bad credit?

Not always, but having one helps. A deposit reduces the amount you need to borrow, makes approval easier, and can lower your interest rate and monthly repayments.

If you don’t have a deposit, some lenders offer no-deposit car finance options depending on your credit profile and affordability.

We’ll show you both types of offers so you can choose what suits your situation.

How long does the car finance process take?

Most applications receive an initial decision within minutes. Many customers complete their car finance and vehicle handover within 24-48 hours.

The exact timing depends on your lender, the credit checks required, and whether we need additional information from you.

We’ll keep you updated throughout the process.

Can car finance help improve my credit score?

Yes, if managed responsibly. Making your monthly payments on time and completing your finance agreement in full helps rebuild your credit history and boost your credit rating over time.

Many customers start with a poor credit score and see significant improvements within 12-18 months of consistent repayments.

Setting up direct debits ensures you never miss a payment, which is the fastest way to show reliability to future lenders.

Are you a lender or a broker?

Motorly is a credit broker, not a lender. We don’t lend money directly. Instead, we compare car finance deals from a panel of trusted, FCA-regulated lenders to find the best option for your needs.

This means you get choice, transparency, and competitive rates through one simple application.

Applying With Us Only Takes a Couple Of Minutes & Will Not Affect Your Credit Score