Bad Credit Car Finance — FAQs
Got a question? Start with these. If you’re ready, you can Check eligibility in 60 seconds (soft search).
- Will the eligibility check affect my credit score?
- No. Our initial eligibility check is a soft search. It’s visible to you but not to lenders and has no impact on your score.
- Can I get car finance with CCJs, defaults, IVA or DMP?
- Often, yes—case by case. We consider your full profile, not just past blips. The soft check will show what’s realistically possible.
- Do I need a guarantor?
- Usually not. Some lenders may request one depending on your individual circumstances and affordability.
- How fast can I get a decision?
- Same day in most cases once we have your basic details. Providing documents promptly speeds things up.
- What deposit do I need?
- From £0–£500+ depending on profile, vehicle, and lender criteria. We’ll confirm options after your soft check.
- What documents will I need?
- Photo ID, proof of address, and income evidence (payslips or bank statements). We’ll outline anything else if needed.
- Are your APRs fixed and representative?
- Yes—rates are fixed for the term, and the representative APR is shown on site. Your actual rate depends on status and lender.
- I’m self-employed or on variable income—can I apply?
- Absolutely. Many lenders accept self-employed applicants. Bank statements or SA302s may be requested.
- What happens after I’m approved?
- We’ll match you to suitable vehicles, confirm terms, and arrange collection or delivery once documents are signed.
- Who is the credit broker or lender?
- We act as an introducer/broker, not a lender. We’ll tell you who the prospective lender is before you sign anything.