Car Finance For IVA’s, Defaults, CCJ’s 

Car finance with IVA’s, CCJ’s and Defaults at Socialmotors

Car finance with IVA’s, CCJ’s and Defaults

If you have had CCJ’s, defaults, mortgage arrears, in an IVA (Individual Voluntary Arrangement) then you have a bad credit history. You have more than likely struggled to find a company that will approve you for a finance deal.


At Socialmotors, we can help people in these types of credit situations. We work with many finance lenders in the UK, who in fact focus on providing finance agreements to those who have adverse credit profiles. With Socialmotors having so many lenders on our panel we are able to compare the best rates available to you, and help you obtain the cheapest car finance deal available.


IVA’s, CCJ’s and Defaults car finance criteria

When matching you to a specific lender, we take into consideration –  your credit profile, your employment status, your monthly income, your residential status and age etc. We are able to help many people in many different personal circumstances – Get in touch to see how we can help you


When buying a vehicle on finance from Socialmotors, you have the freedom of choosing any vehicle in stock without having to put down any money as a deposit. If you would like however, to reduce the amount of money you borrow. You can pay a deposit or part exchange your old car.

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: 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.

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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