Bad Credit Car Finance



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Bad Credit Car Finance

Helping you buy a car on finance with bad credit

If you have struggled to pay your debts and have late payments or even defaults, your credit score may be poor, and therefore your chances of being approved for car finance may be affected. – Don’t worry could still help, we have many options available.


Call: 0151 363 9595



How to get car finance with bad credit

We have many lenders offering car finance options available to all customers, including poor credit car loans as we know it’s not always possible to maintain an excellent credit report.

So if you do have defaults, CCJ’s or mortgage arrears, you could still obtain car finance and purchase the perfect new or used car with Socialmotors.

Even if you maintaining a debt management plan or have an IVA and need car finance  – We make it our job to find you the best finance package to suit you.

You may like to get a better understanding of exactly what your credit status is, if so; we recommend checking your credit report to ensure all your personal details are correct, as lenders will look at this information when reviewing your application.

If you have no credit history you may see you have a bad credit status, this is because without any borrowing to your name finance companies have little information to see whether you will repay the car finance loan, meaning they may see you as a higher risk.

At Socialmotors, we are here to help and we have helped many of our customers get car finance with bad credit. And furthermore, if you keep up the repayments of your bad credit car loan and any other commitments, then you could rebuild your credit score, which may give you the ability to get a better finance package later. Hire Purchase Car Finance


How we could help

We look to exceed expectations when looking for affordable finance deals for our customers, regardless of bad credit.

At Socialmotors, we help you work out exactly how much you want to spend on your new vehicle. How much your repayment will be each month, and for how long you would like the term to be. We even have no deposit car finance options available for you.

We cannot guarantee successful approvals, as our panel of lenders assess each applicant on their personal circumstances before approving you for a bad credit car finance deal.

If you are declined by all lenders, that may not be the end of your search for car finance as we also have options for guarantor loans.

Once you have been approved, you will be offered a credit limit to choose your new car along with a free no obligation quote. We will help you choose your car from any reputable dealer in the UK with your own personal advisor call whenever you need them.

Have a look at our car finance calculator to get an estimate of how much your repayments on a poor credit car loan could be.

Are you self employed and have struggled to get approved for car finance due to bad credit? Well, there is no need to worry, we have lenders that will consider offering people a poor credit car loan – subject to status.


Application Criteria.

Applying for car finance with bad credit

To be able to apply for a poor credit car loan you need to;

  • Be aged 18 or over
  • Hold a  full UK/EU driving licence
  • Be UK resident (3 years +)
  • Have a Full-time, part-time job, be self-employed
  • 100% benefits accepted (DLA/PIP)
  • Not bankrupt

Please note: if your income is 100% benefits you must be in receipt of a high rate benefit like DLA or PIP to apply.

It only takes minutes to apply for bad credit car finance through Socialmotors, if you approved you could be driving a new car within 48 hours! Apply now


What our customers think…

Scott Royle
Scott Royle
20:54 22 Feb 19
Really happy with my car and great service car delivered by a really nice bloke and everything felt very personal
Gayle Eaton
Gayle Eaton
12:33 01 Aug 17
Very good service very happy
kim summers
kim summers
13:30 13 Jun 19
Received my new car yesterday..... delivered all the way to Hull..... the gentleman who delivered it was very polite.....A big shout to David for all the hard work and patience finding me a nice car...... I am absolutely thrilled with it........ I would thoroughly recommend this company to anyone, David was very friendly and was helpful through the whole process from beginning to end and would hesitate to recommend this company to my family and friends, thank you 😊
Mark Dean
Mark Dean
20:20 03 Mar 21
I had bad credit through a divorce this company took the challenge and came up with the car I wanted at the price that was well in My budget.The agent Dave was more of a mate then advisor was gen down to earth and honest and did his best not just 9~5 good service would use again and reccomend to excellent
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Bad Credit Car Finance

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