Bad Credit Car Finance


Buy any car in the UK

Defauts, arrears, CCJ’s?

Representative 33.9% APR

We are a broker not a lender

Representative example. Bad Credit

Borrowing 7500 over 5 years with a representative APR of 33.9%, an annual interest rate of 33.9% and a deposit of £0.00, the amount payable would be: £277.50 a month, with a total cost of credit of £5,920.00 and a total amount payable of £13,320.00

Please note: The cost of credit overall may be higher for this type of facility.

Bad credit does not mean you cannot obtain car finance

At Socialmotors all your credit profiles are considered, our lenders base their decision on your current circumstances.


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Bad Credit Car Finance - Social Motors
Car finance for people with a bad credit score

Car loans for people with poor credit


Searching for Bad credit car finance?

It can be a daunting task looking for a car finance deal that is right for you, especially when you have bad credit.

At Socialmotors, we specialise in helping our customers obtain car finance with bad credit. Even if you have been previously refused credit elswhere we may still be able to help.

We make it our mission to ensure we find you the best bad credit car finance deal we can, from our panel of market leading bad credit lenders.

Buying a car on finance with bad credit


When you buy a car on finance with bad credit at Socialmotors we provide you with 12 months comprehensive warranty, 12 months MOT and free delivery right to your doorstep. Giving you the ability to buy your new car from the comfort of your own home, obviously with no deposit to pay!

We understand that you need peace of mind when buying a new car, so we supply you with your very own personal account manager who will be there for you whenever you need them. Meaning there really is nothing for you to worry about at all, apart from looking forward to the arrival of your new car.

Can i get car finance on benefits?


Socialmotors is one of the UKs leading bad credit car finance providers, we can obtain finance for people who are on benefits. Whatever your past history is, we may still be able to help you purchase a new or used car.

Can i get car finance with bad credit and an IVA ?


Just because you have a poor credit history does not mean you are not able to get a car loan. We will make sure we do our very best to get you a car finance deal at an affordable price to suit you. Even if you’ve had CCJs, mortgage arrears, bank defaults, bankrupt in the past or never had credit at all. Even if you’re in an IVA or debt management plan we can help you.

Poor credit car finance application process

Make an application online

Apply now or call us, one of our experienced advisors will take some basic details for our lenders to review. If approved you will be offered a credit limit for your new car.

Choose your car

Once you have your credit limit, one of our advisors will assist you in choosing your new car from our showroom – we have over 1000 vehicles available in group stock, at this stage you will be able to discuss your needs and establish the car you want.

Application Criteria.

What you need to be eligible for car finance with bad credit

To be able to apply for bad credit car finance 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 for bad credit car finance.

More information about car finance and car loans

Helpful links:

Get a copy of your Equifax credit report. Something you should definitely consider getting, just so you know how good or bad your score actually is.

experian credit expert - Get car finance for poor credit with Socialmotors

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