Don't Let Bad Credit Stop You From Financing A Car!

At GCFH we offer solutions for people with bad credit on both new and used cars. If you have a poor credit score, but can prove that you can afford the car that you want, then we can assist you.

We can help you choose from a wide selection of great cars with an instant decision on finance.

Although many brokers turn away those with a poor credit rating due to a CCJ (County Court Judgement), at GetCarFinanceHere we’ve helped thousands of drivers with a judgment on their record. As long as you can show that you can afford your payments, we can help you get behind the wheel of the car you desire.

The credit score needed to qualify for a car loan depends on the lender you are applying with. Get Car Finance Here have a number of underwriters who specialise in working with clients that have bad credit history. We are proud to provide flexible, hassle-free car finance based on what you can afford rather than your credit history.

The amount of time it takes to get car finance approved varies from as little as a few minutes to as long as a few days. How long it takes depends on several factors; the type of lender, your personal finances and the type of car you’re interested in buying. To find affordable car finance deals for you, apply online today.

Being in an Individual Voluntary Arrangement (IVA) doesn’t mean that you cannot get approved for car finance, however it can make it more difficult to take out a new credit agreement. With GCFH, no matter how low or bad your credit score is, we comb the market to find a car finance deal that suits you.

If you have bad credit, depositing a down payment can increase your chances of being approved for a car loan as it will help to strengthen the application. If you have bad credit, poor credit or even no credit, you should expect to have a minimum down payment of 10% for a car. Keep in mind the kind of car your buying and your budget, as new cars often require a higher down payment.

Leasing a car can mean lower monthly and down payments. With a car loan, you will be paying a much higher interest rate, which translates to higher monthly payments.