Check if you are eligible

We can provide finance to those with bad credit

It's easy, secure and you'll get a quick decision.

Get Approved

Car finance calculator

Bad credit car finance calculator

Quickly see what your monthly payments would be on your new car.

Let's get started
Affordable finance solutions with bad credit

No deposit required

An affordable solution

Get a decision fast

Quick application

Fast and easy process


Check with confidence

Will not affect your credit rating

Bad credit car finance garages

Finding a dealership or finance company that will accept you for car finance can be tough if your credit history is not particularly ideal.

At Stoneacre, we’re one such dealership which is active in helping those with bad credit obtain car finance.

We work with a number of companies who specialise in these circumstances and, as a result, we’ve managed to get plenty of drivers in this position into a new car.

Check Eligibility

How we can help

At Stoneacre we don’t just take into account your credit score, we consider your current situation and how affordable car finance is for you. Therefore a bad credit history does not necessarily mean that you won’t get finance.

As well as working with specialist lenders, we have a quick-to-complete online form that puts your details through a ‘soft search’ and not a full credit check. This allows us to check your eligibility for finance without it negatively affecting your credit score and harming your credit profile further.

After completing the form, you will receive an initial indication of how eligible you are for car finance. Regardless of this result however, we will always follow up with you to discuss your application.

In addition, we can also offer you a free, no-obligation part exchange valuation for any existing car you are considering using towards a new vehicle.

Why get finance with Stoneacre?

At Stoneacre, we offer an innovative and empathetic approach to car finance and will try to find a solution that delivers our customers’ requirements within their budget.

Our in-house team has won multiple awards, including Finance & Insurance Awards for Industry Leading Training and also Dealer of the Year.

Our approval rate is strong, with two-out-of-three finance applications approved. The versatility of our lending panel, which includes lenders who specialise in providing car finance for people with a bad credit history, means we maintain this high approval rate.

Our average turnaround time between us receiving an application and contacting you to complete the process is under 10 minutes, meaning you won’t be left hanging around to find out whether your application has been successful.

We are a family-run business with over 20 years’ experience within the industry. 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%

Check Eligibility

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.

Sign up for our newsletter to receive our latest news and offers

By giving an email address, you're agreeing to receive our marketing emails and you can opt out at any time.
Read our Privacy Policy for details on how your data will be used.

By giving an email address, you're agreeing to receive our marketing emails and you can opt out at any time.
Read our Privacy Policy for details on how your data will be used.

Copyright © 2020 DecideBloom Ltd, Registered office, Omega Boulevard, Capitol Park, Thorne DN8 5TX Company Number - 3003995. VAT Number - GB616996004

Please note we record all our calls to ensure that we give you the service you deserve.