Bad credit car finance

Bad credit car finance

Any car | Any dealership | No deposit | Large panel of lenders | All circumstances

Audi a5 Car
Audi a5 Car

Get a quote

No impact on your credit score

Get a quote

No impact on your credit score

Get a quote

No impact on your credit score

Rates from 5.9% APR. Representative APR 18.9%

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A guide to bad credit car finance

A guide to bad credit car finance

At The Car Financer we consider ourselves to be car finance and loan specialists. As a broker and not a direct lender, we are able to search a panel of lenders to help you get the most competitive rates. Whether you are looking to buy a new or used car, make an application with us to see how we can help you.

We provide finance for ANY car. We have financed everything from Porsches and Range Rovers to Ford Fiesta and Fiat 500s. Regardless of your financial situation, we will work hard to find a suitable finance deal to suit your individual circumstances. No more endless searching for finance and getting nowhere fast. Let us do all the hard work for you. Apply with us today you could be riding your new car away the very same day.

Who we can help get finance

Who we can help get finance

We help hundreds of people a month secure finance with bad credit and they each customer has there own unique set of circumstances, previous issues and current issues,

  • Declined / refused in the past
  • CCJs (County Court Judgements)
  • IVAs (Individual Voluntary Agreements)
  • Bankruptcy
  • Debt management plans
  • No credit history
  • Arrears
  • Self Employed

The truth around getting finance when you have bad credit

The truth around getting finance when you have bad credit

There are a lot of brokers who advertise they are specialists in car finance for bad credit but it’s worth being aware of the following before you apply to them,

  • They may charge you fees for arranging the finance
  • You may be restricted to the car you can buy
  • The interest rates might be more than you can afford
  • The cars they sell you maybe overpriced
  • Most are dealerships and only have access to a limited panel of lenders and cars

A lot of companies offer guaranteed car finance, however this legally cant be advertised. If you are search for guaranteed car finance, it probably means your credit history isn’t perfect so its important you speak to people who want to help your rebuild your credit profile and provide you with a car loan to suit your needs.

When looking for bad credit car finance, you should always make sure that you fully understand the rates, repayments and total about that you are going to be paying back. Any decent brokerage / dealership should check your affordability and advise you on all figures and terms and the documents before you sign them. This process should be followed in line with FCA guidelines.

The Car Financer

9B High Street, Congleton,

Cheshire, CW12 1BN

E [email protected]

T 01625 324 444

F 01625 324 443

Company details

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Car finance

The Car Financer is a trading style of The Vehicle Financer Ltd. The Vehicle Financer Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 834015). We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk. For complaints information when a transaction is completed online, please also access the Online Dispute Resolution platform at http://ec.europa.eu/consumers/odr/

The Car Financer is a credit broker and not a lender. Rates from 5.9% APR. Borrowing £7,500 over 48 months with a representative APR of 18.4%, the amount payable would be £216.45 a month, with a total cost of credit of £2,889.60 and a total amount payable of £10,389.60.

All finance is subject to status and income. Written quotations are available on request. Our advisors are all SAF (Specialist Automotive Finance) approved. The Vehicle Financer is a limited company registered in England and Wales. Registered number: 9970074. Registered office: The Vehicle Financer, 9B High Street, Congleton, CW12 1BN. ICO registration number – ZA171810.