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Affordable finance solutions with bad credit

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Soft search finance

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Will not affect your credit rating

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What is bad credit car finance

‘Bad credit’ is a blanket term used to describe anyone who has failed to maintain one or more financial commitments. Although this is often the consequence of unemployment, sickness or unexpected bills/expenses, the result is one or more of numerous markers appearing on your credit file.

Unfortunately the consequences of bad credit may be that you struggle to attain finance. However, at Stoneacre we look at each applicant with a fresh pair of eyes and consider more than just your credit profile.

How can bad credit affect my position to get finance

The following factors are the most common reasons for a bad credit profile and how they could affect you. While the effects will be negative at first, the damage can often be repaired.

Missed Payments - Whenever a payment is missed, lenders will record this on your credit file. Other lenders may then view you as an increased risk, assuming you’re likely to miss payments with them.


Default - A default is recorded on your credit file when you fail to meet your repayment obligations. It's usually only recorded after multiple payments have been missed, or several months have lapsed since the payment was due.

A default will remain on your credit file for six years and will almost certainly cause a mainstream lender to decline an application for credit.


CCJs (County Court Judgements) - A CCJ is an order from the court enabling the lender to commence doorstep debt collection. This is one of the most serious consequences of not sticking to a financial commitment.


Bankruptcy - This is the final stage in the life of a debt and can be instigated by either the debtor or the lender. Applying for car finance whilst bankrupt may be against the terms of your bankruptcy order, so it's important to seek legal advice beforehand.

Will applying to finance a car affect your credit rating?

Traditionally, lenders carry out a full credit check when you apply for finance – multiple checks can affect your credit rating.


We prefer to conduct what’s called a ‘soft search’ which won’t leave a footprint on your credit file. This lets us match you with the most suitable lender, without carrying out a full check. We can also provide a provisional decision within minutes.

What if you’re struggling to manage your finances?

If you’re struggling financially, adding car finance is likely to make things worse. The best thing to do is to regain control of your finances and consider alternatives, such as saving a little every month and buying a car outright or even car sharing.


For professional financial help you can reach out to Money Advice Service, Step Change or Citizens Advice.

Why should you finance a car with Stoneacre?

We're proud of our innovative approach to assisting customers who’ve previously had financial problems.


Award-winning in-house team - On top of our victories at the Finance & Insurance Awards in both 2012 and 2014, we were double award winners in 2016, picking up Dealer of the Year in the process.


Two-out-of-three applications approved - We are able to approve a large number of the applications made via our website. Furthermore, the average turnaround time between us receiving an application and contacting you to complete the process is under 10 minutes.


Family-run business for over 20 years - Stoneacre is a family owned and run business. We’re registered in the UK, have full FCA permission to offer consumer credit services such as car finance, plus we’re Specialist Automotive Finance (SAF) approved.


Typical APR of 31.6%

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Finance Disclosure

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0800 111 6768.