9am – 9pm 0116 366 6339

We pride ourselves on our unique
ability to give you an instant decision in principle
when applying for car finance with bad credit.

Bad Credit Car Finance

UK Vehicle Finance have access to a premium panel of car finance lenders that provide affordable car finance deals for bad credit applicants becoming an invaluable lifeline for the responsible borrower.

Bad Credit Car Finance Calculator

Your credit score is
  • Own your own home No defaults with a current mortgage On the electoral role several years No CCJ's Under employment Not applied for credit often
  • Long standing tenant or own your own home On the electoral role Credible employment history No CCJ's Missed a couple of payments on credit
  • Recently changed address Recently on electoral role Missed a couple of payments on credit Regular applications for credit Have old CCJ
  • Not traced on electoral role Changed address regularly Exceeded credit limitations Passed history has CCJ Missed payments on agreements
  • Not traced on electoral role Recent CCJ Over limit on credit cards Active debt management plan Been declined for credit recently
You want to borrow
Repay the loan over
Payment monthly 7500

Typical rate % APR*

Total cost of Credit: £
Total Payable: £
*for illustration purposes only
Apply Now No impact on your credit score

Get Car Finance with Poor Credit

Applying for car finance with poor credit with traditional high street banks generally leads to disappointment. UK Vehicle Finance looks beyond the High Street securing bad credit car finance from an extensive network of specialist lenders.

Adverse credit history shouldn’t stand in the way of driving home your dream car. We specialise in the provision of car finance for bad credit without judgement or discrimination. If you have been refused car finance in the past still get in touch to see if we can help. Use our exclusive bad credit car finance calculator or contact the team on 0116 366 6339 for more information.

3 Simple Steps to the Car of Your Dreams!

We have built an honest and trusted track record for going the extra mile for our customers. If you’re looking for car finance with bad credit and want an instant decision, you’ve come to the right place!

With UK Vehicle Finance you could be just three simple steps away from driving home the car of your dreams:

Get Approved


Complete the online application and we’ll get back to you with an initial decision to get car finance. No waiting around – your application for poor credit car finance will be processed as soon as it is received.

Find A Car

STEP 2 Find A Car

Browse thousands of quality new and used cars from approved dealers across the UK finding your perfect vehicle at the perfect price.

Sign & Collect

STEP 3 Sign & Collect

Once you’ve made your decision, we’ll transfer the funds to the dealer within one working day and the car is yours to collect! At the end of the loan term, you’re the proud owner of the vehicle – no strings attached!

Affordable and Accessible Car Finance

We pride ourselves on the flexibility and accessibility thanks to our bad credit car finance lenders. No matter the type of vehicle you are after we are sure to find the best deal. Should you need the funds to purchase a minibus, van or motorhome we provide finance for most cars. If you’d like to confirm your eligibility before going ahead, we can carry out a ‘soft’ credit check on your behalf. This will provide you with all the information you need to make your final decision without affecting your credit.

Interested in car finance but concerned about your credit score

UK Vehicle Finance make buying a car on finance possible and a whole lot easier. We are a new type of car finance company specialising in affordable car finance for poor credit applicants. Car finance shouldn’t be exclusive to borrowers with a flawless credit score. Irrespective of your credit history we’ll do whatever it takes to provide the most suitable car finance deal from our extensive network of lenders.

Even if you’ve been turned down elsewhere you are guaranteed we’ll go the extra mile to accept your car finance application. For more information or to get your application underway contact the team on 0116 366 6339


A quick & hassle-free process

We’ve built up a reputation for having a fast and stress-free approach to bad credit car finance.

Get Approved

Get Approved

Arrange your car finance before you’ve even found your car.

Find A Car

Find A Car

Choose new or used vehicle from any car dealer.

Sign & Collect

Sign & Collect

We'll transfer funds to your car dealer the next working day.

Britain’s Best Car Finance Deals

We’re able to provide the best car finance deals in Britain as we work with an extensive network of specialist lenders. We offer exclusive deals and discounts you won’t find on the High Street. Our dynamic and flexible approach allows us to provide affordable bad credit car finance solutions for responsible borrowers

We ensure that every application is assessed on its individual merits looking beyond credit scores. Our mission is to make car finance for bad credit applications as affordable making it possible to drive away in the car of your dreams!

Use our exclusive car finance calculator for an overview of what’s on offer or complete the online application form and we’ll get back to you with an instant decision

Flexible, Affordable Car Finance

By carrying out a whole-of-market comparison we find the lender with the most suited poor credit car finance package to suit your requirement. Choose from a variety of flexible repayment terms with the option to repay your loan early with no penalty fees.

Uk Vehicle Finance offers an extensive range of car finance deals including hire purchase agreements, personal contract purchase agreements and conditional sales. We’ll guide you through the available options and ensure you make the right choice.

We feel that bad credit shouldn’t stand in the way of affordable vehicle finance. Should you be ready to submit your application or want to explore the car finance options available, we’d be delighted to hear from you.

Complete your application online or contact the team on 0116 366 6339 for more information.

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