Bad Or Poor Credit Car Finance

We can help customers with the following

• Late or missed payments
• Self employed
• CCJ's, defaults, arrears
• New job
• HM Forces
• Ex-bankrupt
• Low credit score
• Previously declined
• Provisional licence
• Not on electoral roll

Need car finance but have a poor credit history?

If you are looking for car finance but have a poor/bad credit history, the good news is that we are specialists in arranging car loans for those that have previously been refused.

No matter what your financial circumstances, we will try to help even if you have had mortgage arrears, CCJ’s or other payment defaults in the past. Perhaps you are self-employed? Or maybe you have no credit history at all?

This is not always a problem. And while no one is guaranteed to get finance, at Happy Motor Finance we are sympathetic to people who have experienced financial difficulties or are unable to get a loan for one reason or another

Even if you are in a debt management plan or have an IVA, we can still try to help. We believe that past financial difficulties shouldn’t hold you back in terms of getting what you want. We also believe that just because you have a poor credit rating, you shouldn’t have to pay over the odds if you are accepted for car finance and, in most cases, no deposit is required with a no obligation quote also being provided.

We have long standing relationships with many car finance providers who specialise in loans for those with poor credit, so even if you’ve been rejected elsewhere, you stand a great chance of getting accepted for a loan.

What is bad credit car finance?

Bad credit car finance makes it possible for people with a low credit score to buy a new or used car. Rather than paying for the car in full with your own money, you can pay through a loan, and pay it back in monthly instalments, making car financing with poor credit much easier.

At Happy Motor Finance, we're bad credit car finance specialists, and we will search our panel of lenders for the best deal to suit your budget and needs.

Why choose us for car financing with poor credit?

We have lots of experience obtaining car finance for people with poor credit. We work closely with some of the UK’s top lenders to compare deals and help you find the most competitive price possible.

We offer a tiered pricing structure for different credit histories - so that you can get the lowest rate possible and will not pay more due to market rates or commission-driven deals.