Poor Credit Car Finance

We have lots of finance options to choose from even if you have a poor credit history.  We will help get you on the road. You’ll get an online decision within minutes – without impacting your credit score. Check your eligibility now.

Check My Eligibility
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Creditplus Representative example: borrowing £7,500 over 48 months with a representative APR of 18.9%, an annual interest rate of 18.9% (Fixed) and a deposit of £0.00, the amount payable would be £223.86 per calendar month, with a total cost of credit of £3,245.06 and a total amount payable of £10,745.06. 

1. Apply online

Simply tell us a little bit about yourself and how much you would like to borrow by completing our short online application form.

2. Get a quick decision

Get a quick decision and find the perfect car. If you would like help finding a car we are more than happy to do that too.

3. Fast Payout

Once the lender has done their final checks and if you can proceed, we’ll pay the dealer so all you need to do is pick up the car.

Can you get car finance with a poor credit history?

If you are looking for car finance and have a less than perfect credit history. You can still apply without affecting your credit score. Our specialist team has considerable experience in helping drivers with poor credit histories find car finance deals. We work with lenders who consider applications from individuals with defaults, CCJs, IVAs, mortgage arrears, or late payments on their credit history.

How do you get car finance with a poor credit history?

If you are looking for car finance and have a less than perfect credit history, you can apply with us without affecting your credit score. Our team is experienced in helping drivers find the right car finance deals and specialise in applications for people with defaults, CCJs, IVAs, mortgage arrears, or late payments on their credit history.

How can I improve my poor credit score?

If you have a low credit rating, there are several things you can do to improve it:

  • Register on the electoral roll. If your name’s not on there, you’ll find it much harder to get credit. Go to the GOV.UK website to find out how to register to vote online or by post.
  • Check for mistakes on your file. Even having just a slightly wrong address can affect your score. So make sure you check all the details and report any incorrect information straight away.
  • Pay your bills on time. Paying a phone landline or internet contract on time is a great way to prove to lenders that you can manage your finances.
  • Check if you’re linked to another person. Having a spouse, friend, or family member’s credit rating linked to yours through a joint account could affect your personal rating if they have a poor score.
  • Check for fraudulent activity. If something on your credit report is wrong or doesn’t apply to you, contact the credit reference agency to have your file updated. For example, if someone applied for credit in your name without your knowledge.
  • County Court Judgements (CCJs). Receiving any county court judgments for debt will seriously affect your credit score. If you’re having problems keeping up with payments, find free debt advice online.
  • High levels of existing debt. Ideally, you should pay off any outstanding debt before applying for new credit. This is because banks, building societies, and credit card companies might be hesitant about lending you more if you already have a lot of debt.
  • Moving home a lot. Lenders feel more comfortable if they see that you’ve lived at one address for a considerable period.
  • Keep your credit utilisation low. Your credit utilisation is how much of your available credit limit you use. For example, if you have a credit limit of £2,000 and you’ve used £1,000 of that, your credit utilisation is 50%, so you’re using half of your credit limit. Usually, using less of your available credit will be seen positively by lenders.

The first step is finding out your credit score. Services like Clear Score offer a free credit check.

Let’s get you on the road

We specialise in helping people get vehicle finance. All types of credit profiles considered. 

Frequently asked questions

Our experts have the answers

Why come to Titanic Finance for vehicle finance?

We promise to make financing your next vehicle straightforward and hassle-free. To that end, we have partnered with one of the UK’s biggest car finance brokers (Creditplus). Creditplus share our vision and set of core values. Like ourselves, they are passionate about matching people to a finance package that’s right for them.

We have a large panel of lenders who provide finance options for an array of individuals. From those self-employed to individuals with poor or less than perfect credit histories.

Am i eligible for Car Finance?

You can check your eligibility in a matter of minutes by completing our eligibility checker. Don’t worry there is no impact on your credit rating. All that we ask is that you meet our minimum criteria.

  • Be in full-time employment
  • Have a full UK driving license
  • Be over 18 years of age
  • Earn over £1,000 per month
  • Have 3 years UK address history

Do I require a deposit?

A deposit isn’t always required and we have zero deposit options available. If you don’t have the spare cash, you can always part-exchange your old vehicle towards the deposit for your next car.

Can I get car finance if I have a poor credit history?

Having a poor credit history doesn’t mean you can’t borrow money to buy the car you need, but it may mean some lenders won’t approve you.

We work with a handpicked panel of specialist lenders who are more interested in your credit future than your credit past. Our friendly team will help you find affordable finance that suits your individual circumstances.

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Don’t just take our word for it
client reviews of our partner

I recently used these guys to sort out my car finance. The whole experience was easy and positive throughout. I was kept informed through every step of the process and it was made very easy for me.
David Higgins
They searched high and low to find me the car that I wanted with the options I wanted at the right price. They were helpful and kept me informed the entire time. Great service, Very
Lauren Meeks