Answered: I Have Bad Credit - Can I Still Get Car Finance? | UK
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I Have Bad Credit, Can I Still Get Car Finance?

I Have Bad Credit, Can I Still Get Car Finance?
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I Have Bad Credit, Can I Still Get Car Finance?

If you have Bad Credit, and you have issues with on-going debts, then you may find it bit difficult getting approved for car finance. With bad credit history, it can be difficult getting a good rate on Car Finance, Here at U Car Finance this is not a such a big problem, we take into account all credit circumstances, whether you have an excellent, good or bad credit history. Lenders and dealers are often limited by the financial products they may have on offer, however with U Car Finance; we have 100’s of financial products to suit your car finance needs, even if you have bad credit.

We have a panel of lenders who specialise in bad credit car finance. However, we cannot guarantee you would be accepted. To increase your chance of approval, we recommend as a Bad Credit applicant; you should consider putting an initial deposit towards your new vehicle. You can also Part Exchange your current vehicle using our part exchange program within the account area; you can use the equity as a deposit towards your new vehicle. This will decrease the overall amount you need to borrow, meaning you’ll pay less every month, and increase your chance of approval.

Struggling To Get Finance?

If you are currently in a position, where you have been refused few times even with an initial deposit because of your bad credit history, consider taking out a Guarantor Loan or applying as a Joint Applicant. This will heighten your chance for approval.

We have panel of lenders who specialise in less than bad credit Car Finance, Although we cannot guarantee you a loan/finance, we welcome individuals with Good Credit, Average Credit, Bad Credit, we consider all our applicants on an individual case by case basis, this way we can take all Small Personal Factors into consideration when making a decision. We have 100’s of financial products to suit your car finance needs, especially those with bad credit.

Use Our Finance Calculator to see what you could Borrow Today. Our finance calculator can give an idea on your monthly repayments based on your credit rating.  Take a look at the 1,000+ vehicles on our site; all our cars are from FCA approved reputable dealers!

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U Car FInance
U Car Finance is one of the leading UK Car Finance Brokers, we are dedicated to giving our customers the best service as possible. We accept people who have been refused elsewhere, people with good credit, bad credit and people with no credit history at all.

Our Address

U Car Finance
208 Victoria Street (Ground Floor)
Oldham, OL9 0DA
United Kingdom

Opening Times
Mon-Fri: 9.00 am - 7.00 pm
Saturday: 9.00 am - 5.00 pm
Sunday: Closed

Our Contact Infomation

Contact us if you have any questions.

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Phone : 0330 223 4384
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