Car Finance for Bad Credit

Turn 'Declined' Into 'Approved' — Even with Bad Credit

Struggling with a poor credit file, missed payments, or past defaults? You’re not alone. At Deal4Wheels, we specialise in helping customers with bad credit secure affordable car finance. Whether you’ve been rejected elsewhere or are rebuilding after financial setbacks, we’re here to help you move forward.

How Our Bad Credit Car Finance Works

No pressure, no judgement — just clear steps:

Apply online — soft credit check only
Get matched with non-prime lenders
Choose a car from a dealer or verified private seller
Finalise the terms and hit the road

Customer Story – Zoe’s Second Chance

“After a separation, my credit file was a mess — late payments and a CCJ. Deal4Wheels didn’t judge. They approved my Ford Focus with a small deposit and no hassle.” — Zoe A., Milton Keynes

Approved despite CCJ and 530 score
Small deposit and flexible HP deal
Driving within 5 days

Is This the Right Finance for You?

Best For:

Credit scores under 600
Past CCJs, defaults, or IVAs
Self-employed or no fixed salary
Thin-file or rebuilding customers

Things to Consider:

Higher APR may apply
May need to show affordability evidence
Limited choice of vehicles or terms depending on profile

FAQS

Can I get approved if I have been declined before?

Yes — we work with lenders who assess your affordability, not just your score.

Is it guaranteed approval?

No — but we have one of the highest acceptance rates for non-prime finance.

Can I finance a car without a deposit?

Yes — several lenders offer £0 deposit options for bad credit.

Will this help rebuild my credit?

Yes — making your payments on time can improve your score over time.

Can I finance a car if I’m in an IVA?

Yes — some lenders support IVA applicants with permission from their practitioner.

Car Finance for Bad Credit at Deal4Wheels