Updated November 2026 by the Get A Better Car finance team (FCA No 713342)
Looking for car finance in Nottingham, including with bad credit? Get A Better Car is a Nottingham car finance specialist dealer on the A52 at Bramcote. Your application goes to our panel of fair and bad credit lenders using a soft search, so checking your eligibility won’t affect your credit score, and lenders usually reply within two to three working hours. Most approvals need no deposit, and we deliver free within 100 miles.
We couldn’t find a company called “Nottingham Car Finance”. It’s simply what people search for when they want a dealer that offers car finance in Nottingham. Get A Better Car is one of those dealers: we sell used cars on finance and arrange the finance ourselves through a panel of lenders, so you deal with one team from application to handover.
Look for a dealer that actively promotes finance, shows a representative example, and works with more than one lender, so you get the best approval for your credit history rather than whatever one lender offers. Check their Google reviews, and ask what happens if the car needs work after you buy it. We’re recognised as Car Finance Experts by the Finance & Leasing Association, have over 500 Google reviews, and every car comes with a full MOT and a 6 month warranty.
Yes. Lenders don’t base their decision on where you live in relation to the dealer, so you can apply from anywhere in the UK. We cover all of Nottingham and Nottinghamshire, including:
If you’d rather see the car first, we’ll pay for a taxi or train to our site in Bramcote.
Often, yes. Bad credit car finance is what we specialise in. There are more than 15 fair and bad credit car finance lenders in the UK, each with its own criteria, and some only work with dealers while others only work through brokers. We deal with both, so one soft-search application reaches the lenders most likely to approve you. If more than one approves you, we give you the details of every approval. There’s no such thing as guaranteed car finance, because every lender has to check that the payments are affordable for you.
We do. Some of our lenders let you pay weekly instead of monthly, which can suit you if you’re paid weekly. Our sister site Pay Weekly Car Finance, also based in Nottingham, specialises in it. See pay weekly car finance in Nottingham.
Our lenders will consider applications with past credit problems such as:
Each lender makes its own decision, so there’s no single credit profile that’s always approved or always declined. Most fair and bad credit lenders care more about how you’re managing your credit now than about past problems: catching up any arrears, staying within your limits and being on the electoral register all help.
In an IVA? You’ll need your supervisor’s written permission for credit over £500. Our IVA car finance guide explains how it works, during and after your IVA.
Usually none. In around 85% of cases the lender’s valuation covers the full price of the car, so no deposit is needed. If you choose to pay a deposit or part exchange your car, you borrow less and your payments go down. See no deposit car finance in Nottingham.
The APR you’re offered depends on your credit profile and the lender’s decision. As a guide, these are the rates most of our approvals come in at:
These are examples only. Around 80% of the approvals we’re offered are at or close to these rates, but yours could be different.
It’s a soft search only, with no impact on your credit rating.
On the A52 at Bramcote, between Nottingham and Derby. We deliver free within 100 miles, or pay your taxi or train fare if you’d like to see the car first.
Often, yes. Our panel of specialist lenders considers bad credit, CCJs, defaults and IVAs, subject to affordability. Checking your eligibility is a soft search.
Lenders usually reply within two to three working hours. Once your documents are in and you’ve e-signed, it can all be done in less than 24 hours.
Get A Better Car is a trading name of Twiggco Ltd, authorised and regulated by the Financial Conduct Authority (FCA No 713342). We are a credit broker, not a lender. Finance is subject to status and affordability; applicants must be 18 or over.