Bad Credit Car Finance - UK's Best Car Finance Broker | U Car Finance
Getting Car Finance Is As Simple As 123…

Bad Credit Car Finance

Bad Credit Car Finance
  • Quick & Simple Application Process
  • All Circumstances Considered‎
  • Buy Any Car From Any Dealer
  • No Deposit Required
  • No Arrangement Fees
  • Refinancing Available
Car Finance Calculator
Set Your Budget
Credit Amount
Credit Duration
4 Years
Credit Score
Credit Rating

Bad Credit Car Finance

Do you have Bad Credit? If the answer is yes, U Car Finance can help. Here at U Car Finance we have made getting car finance simple, using our three step process; you can be approved for car finance within minutes. Our aim is to help you secure low rate vehicle finance. We aim to get you the most competitive rates for your car finance relating to your personal circumstances from our carefully selected panel of lenders.

Instead of having to save up for years to buy the car of your dream, car finance allows you to buy a car now and pay for the car/vehicle you want in monthly installments. With our three step process Apply, Get Approved, Sign & Collect! You can receive your new car within 48 hours, it’s that simple!

Banks and Car Finance Lenders look at an individual’s credit score when it comes to lending finance to purchase a vehicle, and your credit rating usually indicates how reputable you are when it comes to paying back loan/finance. They do this by looking at your past history, your behavior and pattern when it comes to making repayments e.g. if you missed any payments, if you have a steady flow of income and if you are likely to make the repayments on the loan/finance etc.

With a Bad Credit History you may be finding it difficult to get a finance agreement or you may have been refused elsewhere. At U Car Finance we understand there are factors outside your own personal control which can have negative impacts on your credit score. You may even have a short or a non-existent credit history. This could be due to the fact you are self-employed, a persistent mover due to work commitments, only been living in the UK for a short time, have CCJ’s etc. Fortunately here at U Car Finance we have lenders who specialize in bad credit on our panel, we consider all our applicants on an individual case by case basis, this way we are able to take all small personal factors into consideration when making a decision.

Although we cannot guarantee you a loan/finance but at U Car Finance we do our best to get everyone approved. We welcome individuals with bad credit; we will do our up most to help, it is important for you to know that having a bad credit score means you are subjected to:

  • An increased rate of interest (ROI)

  • Be required or be advised to put down an initial deposit

  • Part Exchange (if applicable)

  • Be asked to carry out a Joint Application or Guarantor Loan

If you are trying to improve Your Credit Score in order to make yourself eligible, make sure you are punctual on your repayments and are paying the full amount required each month, also start with smaller, more manageable finance agreements.

A typical example of a Bad Credit score would consist of an individual who frequently changes address with irregular electoral roll records and who is a frequent credit applicant. Recent changes in employment or self-employment, with high level of debt in correlation to the projected income with occasional late payments or credit cards over limits, Small Value Of CCJ and old defaults. Equifax 367- 419 represents Bad Credit profile.

As a bad credit applicant, you could try and apply for a Guarantor Loan or Joint Application, these finance agreements are typically seen as a safer alternative to a standard finance agreement, as with a Guarantor, there is a secondary applicant that can make repayments on your behalf if you find you cannot make the repayment yourself. A Joint Application allows both applicants to pay in an equal amount if agreed between them, essentially halving the amount you’ll have to repay as an individual. However, remember that if one applicant doesn’t make a payment or defaults altogether, the other applicant is still held liable for the repayments.

Use Our Finance Calculator to see what you could borrow today, we have competitive rates, we consider all our applicants on an individual case by case basis, this way we are able to take all Small Personal Factors into consideration when making a decision. You can call 0330 223 4384 and talk to one of our friendly members of staff who will help you with any queries.

Why Choose U Car Finance?

  • All Circumstances Considered‎
  • Low Interest Rates
  • No Deposit Required
  • No Arrangement Fees
  • No Obligation Quote
  • Refinancing Available
About Us & How Car Finance Works

Request A Call Back

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.

Click Here For Contact Form
Phone : 0330 223 4384
Email :

Please wait...
Send a message

Sorry, we aren't online at the moment. Leave a message.

* Your name
* Email
* Your Message
Login now

Need more help? Save time by starting your support request online.

Your name
* Email
* Describe your issue
We're online!

Help us help you better! Feel free to leave us any additional feedback.

How do you rate our support?