Car Finance for Fair Credit

Striking the Balance — Get Finance That Works for You

If your credit score is between 600–699, you’re in the “fair” zone — and that means opportunity. Deal4Wheels connects you with lenders who understand real-world borrowing, offering flexible finance even if your file isn’t spotless.

What to Expect with Fair Credit

Our FCA-regulated lenders offer tailored car finance with:

Hire Purchase (HP) and PCP agreements
Competitive interest rates (typically 12.9%–19.8% APR)
£0 deposit options available
Eligibility for newer and used vehicles

Real Story – Jade’s New Start

“After missing payments a year ago, I was stuck. Deal4Wheels matched me to a lender who still offered me a great deal on a used Nissan Juke. No stress, no judgment.” — Jade L., Cardiff

Approval with only a soft search
Small deposit with 36-month HP
Supportive advisors who explained every step

Is Fair Credit Finance Right for You?

Best For:

People with improving credit scores
Borrowers who want affordable repayments
Applicants with stable income but past missed payments

Considerations:

APR may be slightly higher than prime lenders
Some deals may require a small deposit for affordability

FAQS

What’s considered a fair credit score in the UK?

Typically 600–699 (Experian/Equifax equivalents).

Will applying affect my credit score?

No. Our lenders use soft search technology.

Do I need a guarantor or joint applicant?

Not usually — but we’ll tell you if that helps your rate.

Can I trade in my old car as a deposit?

Yes — we support part-exchange as part of your finance offer.

Will I get approved if I had missed payments before?

Yes — if you’ve been stable for 6–12 months, lenders may still offer a deal.

Car Finance for Fair Credit at Deal4Wheels