How Carplus helps you find car finance with bad credit

Can I get car finance with bad credit?

Yes, car finance with bad credit is possible if the car and the monthly repayments fit what you can realistically afford. Lenders want to see that you can keep up with payments, so borrowing a sensible amount makes approval more likely. It’s usually harder to get approved for an expensive or unusual car, such as a rare import.

There’s no minimum credit score for bad credit car finance, and many lenders are willing to consider people with low scores. That said, interest rates are usually higher when your credit is poor. A limited credit history can make approval harder too, even though it isn’t the same thing as bad credit.

Before your application goes to a lender, Carplus runs a soft search, which won’t affect your credit score. Alongside it, we look at your income and whether the monthly repayments look manageable for you. As a broker, we assess every application case by case.

Once the soft search is done, we send your application to our lenders, who typically respond within 24 hours.