Bad Credit Car Finance

  • Car finance made easy
  • No broker fees
  • Buy from any approved dealer

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bad credit car finance

  • Independent bad credit car finance broker
  • Our panel of car finance specialists could find your best deal
  • Choose a car from any reputable dealer


bad credit finance calculator


    Over 4 Years

    Best available rate
    XX% APR
    Total cost of credit
    Total repayment
    XX Monthly Payments of

    Rates from 6.9%; 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 in today’s world. We understand the frustrations of finding your perfect car only to be refused the finance. This could be due to late payments or arrears,  CCJ’s, or simply no credit history. The good news is having bad credit doesn’t mean you can’t borrow the money to finance the car you need, but it can reduce the number of lenders willing to approve you.

    Motorly’s unique finance first approach allows you to find your perfect car safe in the knowledge the finance is arranged and affordable.

    As a truly independent broker, we have a large panel of lenders who understand not everyone’s credit is perfect.

    Applying for car finance first will not affect your credit score as we use a soft credit search to get your quote.

    There are no broker fees and a range of options for those with bad credit, poor credit, and or no deposit. Motorly really makes car finance simple.

    If I Have No Credit History Can Motorly Still Help?

    Yes, Motorly could help you get car finance with no credit history, although it can make it more difficult.

    Many lenders can treat those with no credit history in the same way as people with bad credit history, purely because they have no information as to how you handle your finances. Therefore, the car finance offers available are very similar to those with bad credit history.

    Once lenders see you repay your finance on time, your credit score increases and the finance offers available to you improve.

    How To Apply For Bad Credit Car Finance

    The best place to start is with our car finance calculator. You can input the amount you wish to borrow, adjust the repayment period and get a clear idea of how your car loan could look.

    Applying for car finance becomes easier once you know the amount you wish to borrow and over how long. You can then apply online in a few minutes using our online quote form.




    Frequently Asked Questions

    My credit history isn’t great - can you help?

    If your credit history isn’t perfect., there is every possibility of you being approved for finance to buy a vehicle. We have many finance packages available for those with fair or bad credit, so we should be able to find a deal that suits you.

    As a truly independent broker, we have access to a large panel of lenders, enabling us to scour the market to find the best deal for your individual circumstances.

    I’ve been refused finance elsewhere - can you help?

    If you have poor or bad credit, or you have been refused finance elsewhere, the good news is that we may still be able to help you. 

    Even if you have been declined for car finance elsewhere (such as from a bank, a car dealership or even another car finance broker), the good news is that we do work with lenders that specialise in bad credit car finance, so still may be able to help you.

    If I apply for finance, what happens next?

    Once you complete our application, our technology reviews your application, to establish a partner that looks to best fit your requirement. Your application will be shared with this partner, who will endeavour to seek a pre-approval, generally by conducting a soft search using a panel of lenders and/or a credit bureau. The Practice we ask of our partners is that they perform a soft search, which ultimately means your credit file is not affected if you decide to proceed a full check is sometimes required, and sometimes further information may be needed if you wish to proceed.

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

    Apply Now

    Rates from 8.9% APR. Representative APR 22.9%

    *Rates from 8.9% APR. Representative APR 22.9%. Representative Example: Borrowing £5,000 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 £8146.5