How to get car finance with bad credit


No deposit needed

Representative 33.9% APR

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Bad Credit Car Finance: Representative example.

Borrowing 7500 over 5 years with a representative APR of 27.4%, 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.

Getting car finance with bad credit

Your credit issues are limiting your car finance options. But don’t worry we could still help.


When looking how to get car finance with bad credit you will be overwhelmed by adverts offering you the best deal on the planet, only to be told after countless searches of your credit file that your application has been unsuccessful.

When you apply for car finance with bad credit at Socialmotors, you will find out whether you have been successful within the hour!

We have over 20 finance lenders on our panel who have very competitive car finance packages available for people who have struggled to get credit in the past.  We specialise in obtaining car finance deals for all credit profiles, good, bad or indifferent. Even if you have a really poor credit history, missed payments, defaults, an IVA or even discharged bankrupt we may still be able to help you.

For a personal no obligation quote apply now or call us on 01513639595.

How to get car finance with bad credit

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.

Documents and Delivery

We will now prepare your new car for delivery and get it to you usually within 48 hours, giving you a comprehensive warranty & 12 months MOT. Once your car arrives, if your happy you sign your finance documents.

Application Criteria

Do you meet the application criteria?

To be eligable for car finance with bad credit all you need is to…

  • Be aged 18 or over
  • Hold a full UK/EU driving licence
  • Be UK resident for 3 years
  • Have a Full time, part time job, be self-employed
  • 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.

Help Centre

 Frequently Asked Questions

I’ve already been declined, can you help?

If you have a low, poor, bad credit, no credit score whatsoever or been refused for a car loan from other finance companies.. read more 

Can i trade in my old car?

Having a part exchange when buying a vehicle with Socialmotors is not a problem, as we will accept your old motor as a deposit.. read more

How to finance a car?

At Socialmotors, you can choose your new or used car finance – from over 40 thousand available in group stock.. read more

Can you help people with average credit?

Do you have a fair credit rating? If yes, there is a very good chance you will be able to be approved.. read more