Bad Credit Car Finance Specialists
We help where others couldn't
CCJs, IVAs, defaults, missed payments, adverse credit — we've heard it all and we can still help. Our panel of specialist UK lenders looks beyond your credit score to find a finance package that works for you. Soft eligibility check — no impact on your credit score.
Serving drivers across Preston, Blackpool, Garstang, Freckleton, Skelmersdale, Manchester and the entire North West — plus UK-wide applications welcome.
No footprint
Within the Hour
£0 options
Considered
19.9% rep.
Cars available on bad credit finance right now
Browse our current stock — all available to finance regardless of your credit history, CCJs, IVAs or missed payments. Every car links directly to our soft search eligibility check so you can apply in minutes.
Applications submitted
1,247
this month
Soft search · no credit score impact
Who we help — bad credit, adverse credit & everything in between
We are bad credit car finance specialists. Whether you have CCJs, an IVA, missed payments, defaults or simply a thin credit file, our specialist lender panel has helped thousands of drivers across the UK get back on the road.
Credit history issues we cover
CCJs on your credit file Defaults & missed payments IVAs & IVAs recently completed Adverse credit history Bankruptcy (discharged) Previous repossessions Poor or very poor credit score No credit history at allIncome & employment types
Employed full or part time Self-employed & sole traders Zero-hours contracts Agency & temporary workers Benefits & Universal Credit Retired with pension income Variable or seasonal incomeFinance & vehicle options
Zero deposit car finance Low deposit from £0–£500 Part-exchange accepted Used & nearly new cars Flexible 24–60 month terms Nationwide delivery Collect from North WestHow our bad credit car finance process works
Simple, straight-talking and designed to work for people with adverse credit, CCJs, IVAs and missed payments. Most people complete everything online from home.
- Complete a free soft search eligibility check — no impact on your credit score, no footprint left behind.
- We review your profile and match you with specialist bad credit and adverse credit lenders on our UK panel.
- Upload your ID, proof of address and income — simple photo or scan is fine.
- Receive a decision, often within the hour, with clear monthly payment figures explained honestly.
- Choose your car, sign your agreement and arrange collection from our North West base or request delivery.
No pressure, no obligation. If the figures don't feel right for you, you're free to walk away at any point.
Soft search eligibility check — what it means
A soft credit search lets us assess your eligibility without leaving any trace on your credit file that other lenders can see.
- ✔ Completely invisible to other lenders — only you can see it
- ✔ Does not affect your credit score in any way
- ✔ No footprint left on your credit report
- ✔ You can do as many soft checks as you like without any negative effect
- ✔ Only if you proceed to a full application will a hard search be required
This means you can check your eligibility with us today — even if you have CCJs, an IVA or missed payments — with absolutely zero risk to your credit score.
Start free soft search now →Zero deposit & low deposit bad credit car finance
If finding a large deposit is part of the problem, we understand. Our specialist lenders offer zero deposit car finance on many vehicles, subject to your circumstances.
- £0 deposit options available, subject to status
- Low deposit from as little as £99 on some vehicles
- Use your part-exchange value as your deposit
- Terms from 24 to 60 months — your choice
- Clear, honest breakdown of total cost — no hidden fees
We can't promise guaranteed car finance — no responsible lender can. But we work harder than most to find a solution, especially for customers with adverse credit, CCJs or IVAs.
Why choose us as your bad credit car finance specialists?
- 🏆 Specialists in bad credit, adverse credit & poor credit car finance
- 🔍 Soft search only to start — zero footprint on your credit file
- 📋 CCJs, IVAs, defaults and missed payments all considered
- 💬 Real people — friendly, no-pressure advice from our UK team
- ⚡ Fast decisions — often within the hour
- 🚗 Large stock of quality used cars available to finance now
- 📍 Based in the North West — serving Preston, Blackpool, Manchester & UK-wide
- 🤝 We help where others couldn't — that's our promise
What our customers say
Real drivers helped across the North West & UK — bad credit, CCJs, IVAs and everything in between.
Customer reviews — April 2026 · Replace with real reviews when available
Ready to check if you qualify? It won't affect your credit score.
Our free soft search eligibility check takes just minutes and leaves absolutely no footprint on your credit file. Bad credit, CCJs, IVAs, missed payments — we've seen it all. Just tell us your situation honestly and we'll do our best.
Check My Eligibility Free — Soft Search Only →No hard search. No footprint. No obligation.
Bad credit car finance across the North West & UK-wide
We are North West bad credit car finance specialists, based near Preston and serving drivers across Lancashire, Greater Manchester, Merseyside and beyond. Apply online from anywhere in the UK.
Our local patch — North West England
UK-wide bad credit car finance
Not in a listed area? No problem. If you're anywhere in the UK, you can apply online. We arrange nationwide delivery or you can collect from our North West site. Apply online here →
Bad credit car finance FAQs — CCJs, IVAs, adverse credit & more
The questions we're asked most often by people worried about their credit history.
- Can I get car finance with a CCJ?
- Yes, in many cases. Having a CCJ (County Court Judgement) on your credit file doesn't automatically disqualify you. Our specialist panel of bad credit lenders deal with CCJs every day. The key factors are the age of the CCJ, whether it's satisfied, and your current income and affordability. Apply for a free soft search check →
- Can I get car finance with an IVA?
- An IVA (Individual Voluntary Arrangement) — whether current or recently completed — makes mainstream finance difficult, but not impossible. We work with specialist lenders who understand IVAs and are willing to consider applications from people currently in an IVA or who have recently completed one. You may need permission from your insolvency practitioner if your IVA is still active.
- What does "soft search" or "soft credit check" mean?
- A soft credit search allows us to assess your eligibility for car finance without leaving any footprint on your credit report that other lenders can see. It does not affect your credit score at all. Only you can see it on your own report. We always start with a soft search so you can check your options risk-free.
- Can I get car finance with missed payments on my record?
- Missed or late payments are one of the most common reasons people are declined by high street lenders. Our adverse credit specialists take a more holistic view — looking at your current situation, income and affordability rather than just historical blips. Missed payments from years ago are treated very differently to recent ones.
- Do you offer guaranteed car finance?
- No responsible lender or broker can legally offer guaranteed car finance. All applications must pass affordability and FCA-compliant checks. What we can promise is that we'll consider your full picture, use specialist bad credit lenders that others don't have access to, and treat you fairly and honestly throughout.
- Can I get zero deposit car finance with bad credit?
- Zero deposit car finance is available on some vehicles, subject to your circumstances and the lender's criteria. If a £0 deposit isn't possible, we can look at low deposit options or using your part-exchange vehicle as a deposit contribution.
- Do you only cover Preston and Blackpool?
- Not at all. While we're based in the North West and particularly strong across Preston, Blackpool, Garstang, Freckleton, Skelmersdale and Manchester, we welcome applications from all over the UK. Many customers apply online and arrange delivery or travel to collect their vehicle.
Still have questions? Call us on 01772 971422 or start your free soft search application online →