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Bad credit car finance

If you think you might struggle to get car finance because of having bad credit, there isn’t necessarily any need to worry as it might not be the end of the road. Getting car finance with bad credit might be harder than attaining finance with good credit, but it’s certainly not impossible.

While we can’t guarantee you finance for a car, we do work with lenders who specialise in helping those who may suffer from a bad credit profile. For a quick decision to see if you’re eligible, you can complete our finance form or phone us on 01405 744186.

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Helping those with bad credit

At Stoneacre, we don’t just take your credit history into account when determining car finance, we also consider your current situation and how easy it is for you to afford car finance. As a result, having bad credit doesn’t mean you can’t get finance.

Also, as well as working with specialist lenders, our finance form puts your details through what is called a ‘soft search’ as opposed to a full credit check. This means you can check your eligibility for finance without the risk of having your credit profile being harmed further by a rejection of credit.

Following the completion of the form, you’ll be given an initial indication of how eligible you are for car finance. If the signs are good, your personal finance coordinator from our in-house team will go through the rest of the process, helping you every step of the way.

Don’t be put off if you’ve been refused elsewhere, either, as we may have a lender that can help you get car finance with bad credit that those previously couldn’t offer.

Signs of bad credit

If you’re wondering exactly what kind of factors can put someone in a situation of bad credit, here are the main culprits in causing a credit profile to suffer:

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. Specialist lenders may still be able to help, however.

CCJs (County Court Judgements) - A CCJ is an order from the court enabling the lender to commence doorstep debt collection. While this is one of the most serious consequences of missing a financial commitment, don't let this worry too much into not applying. We are able to consider applications for those with CCJs that are over four weeks old.

IVAs - If a previous Individual Voluntary Arrangement (IVA) has been settled, we'll be able to consider your finance application. Those still within an IVA, however, will have to seek written confirmation from their insolvency practitioner that their able to get credit again.

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. If you have been discharged from bankruptcy for at least 12 months, we'll be happy to consider you for finance; however, if you're currently still in bankruptcy, it will be considerably harder to attain.

Why should you finance a car with Stoneacre?

We're proud of our innovative approach to assisting customers after car finance with bad credit.


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 due to the versatility of our lending panel. 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.