Do you have bad credit but want a better car? If you’ve had arrears, defaults or CCJs in the past and have a low credit score or a bad credit history, you are likely to have fewer options than if you had good credit. If you’re looking for car finance and want to find a dealer that will be able to help get car finance approved for you as well as one that has a good reputation and customer service. At Get A Better Car, we’ve worked with the U.K.’s leading bad credit car finance providers to identify the best bad credit car finance dealers.
4.7 stars from over 150 reviews on Google
4.8 stars from over 300 reviews on Car Dealer Reviews
Rated 4.3 stars from 400+ reviews on Google
Rated 4.5 stars from 200+ reviews on Google
Rated 4.9 stars on Facebook from over 250 reviews
The dealers that we’ve mentioned above deal with every fair, bad and very bad credit car finance provider in the U.K. which means they all specialise in bad credit car finance. They are all approved by the Financial Conduct Authority and recognised as finance experts by The Finance & Leasing Association. This all means that they have the best possible chance of getting car finance approved for you anywhere in the U.K..
A low credit score in the U.K., usually anything below 550, indicates a lower level of creditworthiness and can make it more difficult to secure loans, credit cards, and mortgages. While credit score ranges can vary slightly between credit reference agencies (CRAs), a score below 550 generally suggests a lower chance of being approved for finance.
The credit reference agencies vary in the scores they show to customers, meaning that a low score with one provider could be classed as a high score by another.
The Bad Credit Car Finance companies we use are similar in that they will use their own variation of a credit score to make decisions. The emphasis of this is firmly on affordability and they will use these metrics to achieve a satisfactory affordability check:
So there rules will all be based around the above and we regularly see situations where all finance companies will approve a customer, situations where customers are only approved by 1 finance company as well as situations where no finance companies will approve someone.
Simply fill in the application form below and give us 2-3 working hours to submit your application to every fair and bad credit car finance provider there is (using soft search to make sure there is no impact on your credit score) and we’ll get back to you with your outcome.
Get A Better Car – Fair and Bad Credit Car Finance Nottingham
Looking to sell your used car? Get A Better Price here