No Credit Check Car Finance in Nottingham – Explained (Video)

Looking for no credit check car finance in Nottingham, and keep getting declined? In this 70-second video, Brutus Bettercar from Get A Better Car, Nottingham’s bad credit car finance specialists, explains why no credit check car finance doesn’t exist – and what drivers across Nottingham and Nottinghamshire with bad credit can do instead.

What the video covers

• Why no lender can skip the credit check. Every finance company must carry out a credit check and an affordability assessment to meet responsible lending rules. A Nottingham dealer advertising “no credit check” finance can’t actually offer it.
• Very bad credit doesn’t always mean no. It depends on the picture your credit file paints to bad credit car finance providers.
• What bad credit lenders look at most:
  1. You aren’t in arrears, over your overdraft limit or over your credit limit.
  2. You have a valid bank account that accepts direct debits and has no current issues.
  3. You have enough disposable income to afford the car finance repayments as well as your other financial commitments.

Bad credit car finance in Nottingham

Get A Better Car is based in Nottingham and helps drivers across Nottinghamshire who have been turned down elsewhere. Rather than a “no credit check” promise, we work with specialist bad credit lenders who look at your whole situation, not just your score.

Want the full detail? Read our guide to no credit check car finance, see car finance in Nottingham, or watch more of our car finance videos.

Check your eligibility

Video transcript

Hi, I’m Brutus Bettercar, and I’m here to talk to you about no credit check car finance.

So, you need a car with no credit check. Can you do it? No, you cannot. Every single finance company in the UK has to complete a credit check before they can offer finance to you. It’s under the guidance of the Financial Conduct Authority.

And it’s also a good idea for finance companies to do these credit checks, because they want to make sure they’re lending money to someone who is in a position to pay them back – because that’s the only way they make money, dummy.

So, can you get car finance without a credit check? No, you cannot. Can you get car finance with bad credit? Yes, you can.

So, apply with a bad credit car finance specialist dealer and see if they can help you get approved. If not, check out my five tips for improving your credit file, and see if we can get you approved someday soon.