No credit check car finance

We help you get car finance without a credit check. At Carplus, we start with a soft credit check, because it won’t impact your credit score. It’s quick and it helps us show you real offers based on your situation.

You stay in control from the start. We won’t run a hard credit check unless you’re ready to move forward with a lender. This protects your file while giving you time to compare deals confidently.

If you’ve never borrowed before or have a poor credit history, you can still apply for finance. Some lenders will consider your application based on affordability, not just your credit history.

What is no credit check car finance?

No credit check car finance means applying without a full review of your credit history. It may seem like a simple way to get approved quickly, but most lenders won’t offer a finance deal without assessing your creditworthiness.

At Carplus, we know that past financial issues can make applying feel difficult. That’s why we don’t rely on a hard check straight away. Instead, we use a soft credit check, because this lets you see if you’re likely to be approved, without damaging your credit score or locking you into a deal.

You’ll be able to view car finance offers, understand your options, and decide what works best, all before entering into an agreement. There’s no pressure and no risk to your credit rating. We’ll guide you through each step and only connect you with trusted finance providers.

Can I get car finance without a credit check?

You can't get car finance without a credit check, but you can apply without damaging your credit score. We use a soft credit check to show what you’re likely to be approved for, without any mark on your file.

Lenders in the car finance industry must carry out checks to assess if you're able to borrow. This includes looking at your income, debts, and how you’ve managed finance payments before. While it's essential for lenders to assess your ability to repay any loan or line of credit (following the regulations of the Financial Conduct Authority (FCA)) we aim to make the process as smooth as possible without negatively impacting your credit score upfront.

At Carplus, we focus on what you can afford now, not just your past. If you've had refused credit or missed payments, we work with lenders who take a fair approach, not all of them require a deposit or expect a perfect credit rating.

You stay in control from the start. Use our finance tool to explore offers matched to your situation.

Hard credit check vs soft search

Before most lenders offer car finance, they’ll look at your credit history. This is known as a hard credit check. It stays on your file, can lower your credit rating, and is visible to other lenders.

At Carplus, we do things differently. We start with a soft credit check. It gives a snapshot of your credit without affecting your credit score. No one else sees it. It helps us understand what you’re likely to be approved for before any formal checks begin.

This step is important if you’ve had missed payments in the past or been refused credit. It gives you the chance to see what car finance offers may be available — without pressure or risk.

You can also check your statutory credit report for free with these three credit reference agencies: Experian, Equifax, or TransUnion. It shows your payment history and basic account details. If you find an error, you can contact the agency and add a correction. This helps improve your credit file before a lender looks at it.

Each agency uses its own scoring system. Don’t worry if the numbers don’t match, what matters is how your credit is rated, such as ‘Poor’, ‘Fair’ or ‘Good’. This helps lenders when determining your eligibility for car finance.

Running multiple hard checks in a short space of time can harm your chances. It may suggest financial stress and reduce how much you’re able to borrow. That’s why we use a soft check first, to protect your credit rating and give you more control.

With Carplus, you can explore real offers, track your likelihood of approval, and get closer to getting your next car, all without a mark on your credit report.

What types of car finance can I apply for with a soft credit check?

At Carplus, you can explore key finance options using a soft credit check without any pressure, no damage to your credit file. We match you with lenders based on your circumstances, not just your score.

1. Hire Purchase (HP) legives you fixed monthly payments and full car ownership at the end. It works well if you prefer a clear structure and want to keep the car long-term.
2. Personal Contract Purchase (PCP) offers lower payments and more flexibility. You can return, upgrade, or buy the car at the end of the term. It suits drivers who like to change vehicles more often.

Every application helps us understand what you can afford. We use that to build a plan that works and supports you throughout the process.

What do I need to apply for car finance with no credit check?

To apply, you need to show that you can afford the agreement and meet basic eligibility. Lenders use this to confirm you're able to borrow and to increase your chances of approval.

You’ll need to provide:

• Proof of income (three months of bank statements or open banking access)
• Full name, date of birth, and UK address history (you must have lived in the UK for at least 12 months)
• Driving licence and employment details
• Mobile number and email address for contact

Lenders use this information to check your income, stability, and credit record. They may also look at your existing credit and past behaviour to understand how you’ve handled commitments.

Using Carplus won’t affect your credit score. We use a soft check at the start, which lets you explore offers without any mark on your file. You stay in control from the beginning.

If you plan to use the car for work, tell us early. Car finance may differ based on usage, and we’ll ensure you access the right car finance provider with terms that fit.

Get approved for car finance with no credit check

Once you're happy with your quote and your application is approved, you can choose any new or used car from a trusted UK dealer.

We take care of the rest. We check the vehicle to make sure there’s no outstanding finance, complete the paperwork, and transfer funds directly to the dealership. You don’t need to handle anything, no chasing documents or dealing with third parties.

Your role is simple: choose your car, collect the keys, and drive away knowing we’ve handled everything safely and securely.