Bad credit car finance


Bad credit car finance – We know it can be a daunting task finding a car finance deal you know you are going to be happy with, especially when you have a not so good credit history and know you are going to have to pay a little more interest due to the perceived higher risk.

At Socialmotors 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. 


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.


More information about car finance and our service

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We are a broker not a lender - Representative 33.9% APR

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.

Can i get car finance with bad credit ??

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.


What you need to be eligible for bad credit car finance

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 a UK resident (3 years +)
  • Have a Full time, part-time or self-employed job.
  • 100% benefits accepted (DLA/PIP)
  • Not bankrupt


Our 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.

Documents and Delivery

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

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

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