Black Box Car Finance

  • Improve your chances of being accepted
  • Buy from any approved dealer nationwide

Let’s Get Started >>No impact on your credit score


Bad Credit Finance Calculator

Over 4 Years

Best available rate
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

If you have struggled to get approved for car finance due to bad credit, having a black box fitted has two major advantages.

It often makes it easier to get approved for car finance

Enjoy your new car whilst rebuilding your credit history

We have access to a panel of car finance providers who specialise in helping customers from all backgrounds and circumstances find the right car finance deal for them.

Finance First

Applying for car finance with us won’t affect your credit rating. Our panel of providers will initially run a soft search to seek pre-approval.  In some circumstances, customers can be approved for finance without a black box.

As a truly independent broker, we have many finance packages available for those with bad credit, so we should be able to find a deal that suits you.

Further Benefits Of Black Box Car Finance

Your black box can be fitted to any vehicle at no extra cost.

The box is fitted by professionals and once your agreement ends the device is removed.

Our professionals fit the device in a discreet location and remove the device once your agreement ends.


Frequently Asked Questions

Can I get car finance with bad credit?

Having a bad credit history doesn’t automatically rule you out from obtaining a car on finance.

With a large panel of lenders, we can help you find the best car finance deal whatever your circumstances or credit history.



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

While car finance can never be guaranteed, we have options available to help people in a wide range of personal circumstances, including those that have CCJs on their file, are in an IVA or have previously been bankrupt (now discharged).

Even if you have been refused 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 will likely be able to help you obtain car finance. 

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