Our lenders do what's called 'soft' credit check first meaning that getting a no obligation quote will not affect your credit score and won't leave a footprint on your credit profile. If you then decide to proceed with your quote and get car finance, a full hard search will be conducted on your credit profile. You're still eligible to apply for car finance if you don’t have a credit history, but that doesn’t mean you’ll definitely be accepted.

Car finance calculator

Must be between £3,000 to £50,000
Must be between £100 to £10,000 and difference between borrow and deposit must be £5,000

These estimates are subject to credit checks and may change when you apply for finance. this is for example purposes only

Hire Purchase (HP)
APR 9.9%

60 monthly payments of


Interest rate
9.9% APR
Amount of interest
Total payment
Personal Contract Purchase (PCP)
APR 9.9%

60 monthly payments of


Optional final payment
Interest rate
9.9% APR
Amount of interest
Total payment

Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.

You can get car finance without a credit check

Bad credit is likely to mean that you struggled to manage your debts in the past and may have been late in making the relevant repayments when they were due. No credit probably means that you have had County Court Judgments (CCJs) against you in the UK, perhaps entered an Individual Voluntary Arrangement (IVA) with your creditors, or even been declared bankrupt.

This is enough to make many lenders cautious in the extreme about arranging further car loans — with the result that you may have had applications turned down. This is the time when you can apply for our car finance without a credit check.

Our customers who have already got car finance!

  • High Acceptance Rate
  • Representative APR 21.9%
  • Rated excellent on Trustpilot

Car finance with no credit check or the ‘Soft’ Search

Of course, car finance with no credit check needs to be sure of your ability to repay loans or line of credit — that is one of the rules of the Financial Conduct Authority (FCA), which regulates all such business.

But the last thing you want, if you already have really bad credit, is another rejection of an application for a loan — since the refusal itself affects your credit status adversely.

That is why we carefully pre-check the likelihood of your application being formally accepted by one of our lenders by performing what is described as a ‘soft’ check — a snapshot in time of your current income, outgoings, and existing credit — which has no impact on the information held about you by the major credit reference agencies.

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Hard credit search vs soft search

Before proceeding with a ‘hard search’, it is helpful to be aware of your current credit score. You can request your statutory credit file for free with any of the three major credit reference agencies like:

  • Experian
  • TransUnion
  • Equifax.

The statutory report will give you basic information about your credit history, although extras such as credit monitoring or fraud alerts are not included.

Each credit agency uses a different system, so do not be alarmed if the actual figure varies from one to the other. What matters is how your score is classed on the agency’s scale, which can range anywhere from ‘Very Poor’ to ‘Excellent’. If your credit score is not what you were expecting it to be, check through the information for any irregularities. You can contact the relevant company where it is necessary to put a ‘notice of correction’ on your credit report, should it be required.

But what is a ‘hard credit check’? It's when a financial company checks reference agencies' records for your credit history. So if you want the best deal, it's best to get a ‘soft check.’ It is not the kind of formal process in which a lender determines if you can qualify for a loan. The results of such a search are not visible to other lenders.

Why do we advise you to do it this way? First, simultaneously applying for more than one loan gives the impression that you are in a desperate financial situation. Then, of course, borrowers will wonder if you can pay off the extra money.

So when comparing car finance costs, take advantage of our no credit check car finance services. This approach is guaranteed to leave no mark on your credit history.

Get Approval!

Once you have accepted our no-obligation quotation and your formal application to the reputable lender has been approved, it is simply a question of choosing the new or used vehicle you want to buy from any reputable dealer in the UK.

We even make checks on the vehicle on your behalf — to confirm that there is no outstanding financing on it, for example. We also do all the paperwork and pay the money directly to the dealer, so that the only role you are left to play is to drive your new car away.

Why our customers rate us 5 stars

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No impact to your credit

Getting a finance quote with Carplus will not affect your credit rating and you can do it for free

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No deposit options are available on all deals. Check if you are eligible today and get approved risk-free with soft search.

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