08/12/2025
Your Top Questions of 2025 answered
Can I get car finance if I have bad credit? Yes, it is possible to get bad credit car finance. The finance companies we deal with are looking for signs of affordability from your credit file, so if that shows any signs that you are struggling financially (such as current arrears, you are over your overdraft limit etc) then this can lead to your application being declined.
How does no deposit car finance work? No Deposit Car Finance simply means that the finance company will pay the car dealer the whole amount required for the car you're applying for. Around 85% of bad credit car finance approvals will work with zero deposit, so it all depends which finance company approve your application and which tier they approve you on.
What credit score do I need to get approved for car finance? There is no minimum credit score to get approved for car finance. Every fair and bad credit car finance provider in the UK use their own credit scoring system that determines whether you can get approved for car finance. This means that your credit score on Credit Karma or Clearscore could be very low, but one of the bad credit car finance specialists could score you much higher. The only way to know whether you can get approved, and what APR, is to apply for car finance.
If I apply for car finance, what impact does it have on my credit score? None at all. All the finance companies we deal with use soft search, and this only turns into a hard search once finance documents are issued to you (which you are in control of).
I've seen you advertise as Nottingham Car Finance, Derby Car Finance and Leicester Car Finance, what does this mean? Those terms just indicate the area where most of our customers live and where we can offer free delivery to. We can deal with applicants from anywhere in the UK but regard ourselves as Nottingham Car Finance, Derby Car Finance and Leicester Car Finance Specialists.
See www.getabettercar.co.uk for more
