Check if you are eligible

We can provide fair credit car finance

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

Check now

Car finance calculator


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

Let's get started
Affordable fair credit finance

No deposit required

An affordable solution

Get a fair credit car finance decision

Quick application

Fast and easy process


Check with confidence

Will not affect your credit rating

Fair credit car finance

Looking for car finance but only have a fair credit score? At Stoneacre, we recognise that there are multiple reasons your credit file may be less than perfect, however it shouldn’t stop you from applying for fair credit car finance.

Whilst not bad, fair credit is not good either and if you fall into this bracket the majority of lenders will consider you to be of a moderate risk to lend to.

At Stoneacre, we take into account individual circumstances and will try our utmost to get you the best possible finance deal. Plus, as we work alongside multiple lenders we can access those more likely to approve fair credit car finance applications.

Check Eligibility

How does fair credit affect your ability to get finance?

When you make a finance application lenders will look at your borrowing history to consider the risk you pose should they agree to lend you money. They will look to see how affordable more finance is for you as well as checking for missed or late payments. They will also check to see if you’re on the Electoral Roll and check your address and employment history.

A fair credit score can be caused as a result of missed payments, having recently moved house or job or having a high amount of debt compared to your current earnings. It can even be caused by discrepancies on data the credit agencies holds on you, or you provide. So checking your credit history is a good place to start before applying for fair credit car financing.

Get accepted for car finance with fair credit

Whilst we cannot guarantee car finance for anyone we are proud of our excellent two-out-of-three approval rate for finance applications. At Stoneacre, we firmly believe that having a fair credit history shouldn’t mean you can’t get car finance. We work with multiple lenders so can contact those more likely to consider your circumstances. This increases the likelihood of you getting accepted and enables us to find you the best possible rate. You can also take a few simple steps to increase your chances of being accepted for fair credit car finance, including:

    - Making sure information on your credit file is accurate and up to date

    - Making sure repayments are made on time

    - Closing unused credit accounts to reduce the overall amount of credit available to you

    - Registering on the Electoral Roll

We’ve managed to help lots of people with a fair credit score find suitable car finance and drive away in the car of their dreams. So why not fill out our online form? It’s quick-and-easy to complete, and because we only carry out a ‘soft search’ initially, it will give you an idea of whether you will be accepted without affecting your credit score further.

We aim to make applying for car finance quick and hassle-free. On average we contact people in less than 10 minutes after receiving an application, which means you won’t be left hanging around for a decision.

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.

Representative example
Cash Price£13,000
47 Monthly Payments£280.51
Amount to Finance£13,00
Total Interest Payable£2,743.97
Total Amount Payable£16,133.97
Option Fee (Included in TAP)£399
Term48 Months
Rate of Interest (Fixed)8.83%
Miles per Annum8,000
Excess Mileage Charge6.0ppm

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.