Bad Credit Car Finance

Bad Credit Car Finance

  • No deposit
  • A decision in 30 seconds
  • Doesn't affect your credit rating
  • Your own personal adviser

49.9% Rep APR

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Check if you are eligible

You will receive an initial decision in just 30 seconds

Calculate the cost

Quickly and easily calculate what your monthly payments are likely to be

Used Car Search

Your Credit Rating
Deposit
Cash price of vehicle
Over how long

Sorry, No finance avaliable.

Best Available Flat Rate : %
Total Repayment : £
Total Cost of Credit : £
Payments of :

Bad Credit Car Finance

Finance Example:

Car Price £8,100
48 Monthly Payments 47x £332.12 & 1x £531.12
Deposit Amount £250
Balance to Finance £7,850
Term Length 48 Months
Doc Fee £399
Option to Purchase Fee £199
Total Amount Payable £16,390.76
Interest Charges £7,693
Representative APR 44.7%
Interest Rate (fixed) 24.5%


Bad credit car finance

Clearway specialises in providing bad credit car finance

Think you can’t get car finance? Think again!

At Clearway Car Finance, we specialise in providing affordable bad credit car finance for people who think they won’t be accepted, or who might have been turned down in the past.

We understand that life isn’t always straightforward. Unexpected illness, redundancy, family separation, even large bills can all hit our finances hard. Yet we don’t hold this against you. Instead, we prefer to look at your situation today, then search our panel of sympathetic lenders to find the best available bad credit car finance.

- Arrears, defaults, CCJs, bankruptcy?

- Been turned down in the past?

- All circumstances considered!

- Friendly and helpful team

- Apply online – decision in minutes!

Poor credit car finance

Applying for poor credit car finance

Many customers visit Clearway Car Finance as a result of being turned down by mainstream landers. As specialists in providing poor credit car finance, we’re always happy to help.

We understand that every customer is an individual and believe that past financial difficulties shouldn’t be held against you today. So, even if you have arrears, defaults, CCJs or bankruptcy, we’ll still do our best to understand your situation and find bad credit vehicle finance that suits your circumstances.

Applying is hassle-free. Take just a few moments to complete our short online form and a member of our helpful team will get in touch to guide you through the process. It’s easy!

Bad credit car finance

Will applying for car finance with Clearway affect my credit profile?

No, applying for bad credit car finance with Clearway will not affect your credit profile.

Most mainstream lenders register what’s called a ‘search’ when you apply for credit, but we won’t. Instead, we carry out a ‘soft’ search which doesn’t leave a mark on your credit file.

Car finance for bad credit

I've had poor credit for a long time and want to improve my credit rating; what can I do?

The better your credit rating, the greater your chance of being accepted for car finance. However, a weak credit history isn’t the end of the world. Even if you’ve had financial difficulties in the past, there are some steps you can take to help improve your credit score.

View your credit file

Your credit file will explain how your credit history affects your score and tell you how likely you are to receive credit. Obtaining a copy also lets you check for mistakes or inaccuracies. You can have these corrected, plus place your own comments on the file.

Register on the electoral roll

All lenders protect against fraud by confirming your address against the electoral roll. If you’re not registered, lenders can’t do this. They’ll also struggle to see your address history and be more likely to decline any application.

Keep your repayments up to date

Most lenders want to see evidence that you’re capable of making repayments on time. So the more you pay on time, the better this is.

Close unused accounts and keep away from credit limits

You actually have an ‘unofficial’ limit on the credit you’re able to obtain. To avoid reaching this, try not to max-out credit cards, keep balances below 25 per cent capacity and limit how often you use an overdraft.

Keep your application frequency down

Many lenders see lots of declined applications as evidence that your credit rating might be poor, or that you’re desperate for credit. It can also be seen as a sign of fraud.

Buying a car with bad credit

Applying for poor credit car finance

It couldn’t be simpler. Use our handy online calculator to work out your budget. Then take a moment to key a few details into our online application form.

You’ll get a decision in minutes and a friendly member of our team will guide you through the process to make sure you’re 100% happy.

- No Deposit required

- A decision in 30 seconds

- Doesn't affect your credit rating

- Your own personal adviser