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Help Centre – Average/Fair credit rating


Do you have a fair credit rating? If yes, there is a very good chance you will be able to be approved for a car finance agreement. We with many options available for customers with fair credit, finding the right car finance deal to suit your requirement is not going to be a problem.


Not only will we be able to find the right car finance deal for you, we will provide you with the lowest rate of interest available. We will make sure you receive the best rate available for your personal circumstances.

When assessing your finance application for fair credit, the lender will need to see evidence of your monthly income, at Socialmotors we have options available for all different types of employment whether you are fully employed, part time, self employed, etc – we consider everybody!


We have thousands of vehicles to choose – from cars, bikes, vans, motorhomes and even horseboxes. We do not ask for a deposit although you are able to make a down payment if you like, we also accept part exchanges if you have no money for a deposit.


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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.

Application Criteria

Do you meet the hire purchase car finance application criteria?

To be eligable for car finance 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: 100% benefits welcome

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