If you’ve been refused car finance before, don’t worry bad credit car finance in the UK is possible. Many FCA-regulated lenders specialise in helping customers with CCJs, defaults, or missed payments. Here’s how to boost your approval odds.

1. Use a Soft Credit Check

See if you’re eligible without affecting your score.

2. Be Accurate With Details

Mismatched information can flag applications.

3. Show Income Stability

Bank statements and open banking help prove affordability.

4. Lower Current Debt

Even small repayments improve your profile.

5. Save a Small Deposit

Reduces lender risk and monthly cost.

6. Consider Hire Purchase (HP)

HP approvals are often easier than PCP.

7. Apply via FCA-Approved Brokers

Guarantees fairness, transparency, and no hidden fees.