At Deal4Wheels, we believe your credit past shouldn’t stall your future. If you’ve struggled with late payments, CCJs, or a thin credit file, our subprime car finance options give you a second chance — with flexible lenders, soft checks, and no-judgement advice.
Subprime car finance is designed for customers with less-than-perfect credit — typically a credit score below 600. You may qualify for funding even if you’ve had:
Late/missed paymentsPrevious defaults or CCJsShort credit historyLow income or benefit-based incomeRecent financial recovery (e.g. post-IVA)Customers recovering from past credit issuesPeople with CCJs, defaults, or low scoresFirst-time buyers building a credit profileAnyone rejected by mainstream banksInterest rates may be higher (APR 19.8% representative)More paperwork for private salesBudget realistically to rebuild creditYes. We specialise in helping people with CCJs, defaults, or missed payments get back on the road.
Subprime includes a wide range of customers — including fair or near-prime credit — who don’t qualify for top-tier rates.
No. We run a soft search to assess eligibility before any lender performs a hard check (with your consent).
Not usually. However, some subprime lenders may request one depending on affordability and profile.
We support cars, vans, hybrids, and even used electric vehicles — subject to age and mileage.
