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Poor Credit Car Finance

Stoneacre Stafford dealership building

If you’re putting off applying for car finance because you’re worried about your poor credit history, then don’t be!

At Stoneacre, we understand there are many reasons you may need to apply for poor credit car finance. Whether you’ve missed payments in the past, have CCJs, have little or no credit history or are self-employed, we can help!

We strive to ensure that everyone can afford the car they deserve regardless of poor credit. Stoneacre works with a range of specialist lenders who can offer poor credit car finance in a variety of different circumstances. So while we can’t guarantee finance for anyone, we have an impressive two-out-of-three approval rate for finance applications.

How does poor credit affect your ability to get finance?

Poor credit finance application process at Stoneacre
Poor credit finance application process at Stoneacre

Having a poor credit history doesn’t mean that you can’t get finance


However, some lenders may be less likely to offer car finance to people with poor credit. When you apply for finance, lenders will look at your borrowing history and will consider these factors:


- A mortgage

- Credit cards or other loans and how much is left to pay on these

- Whether they can find you on the Electoral Roll

- Whether your address and employment history match what's on the proposal

Close up of car keys and document sign for bad credit car finance
Close up of car keys and document sign for bad credit car finance

How applying to lots of different lenders affect your credit score...


Many people believe by applying to lots of different lenders they are more likely to get accepted.


However, this is not the case; multiple rejected credit applications can work against you as they give lenders the impression you are applying for credit without due consideration.


Also, every full search done reduces your current score and also your chances of being approved.

Applying with Stoneacre


When you apply for poor credit car finance with Stoneacre you can sit back and relax as we do all the hard work for you. We work with a wide-variety of lenders which allows us to carefully select the lenders more likely to consider your circumstances.


We begin by doing a ‘soft search’ which doesn’t reduce your score, it simply tells us the best lenders to use for your score which reduces the number of searches done.

Get accepted for car finance with poor credit


The lenders we work with are more likely to consider how affordable finance is to you now, which makes the likelihood of acceptance greater. Plus, with multiple lenders at our fingertips we will find you the best possible deal for your circumstances.


Our process:


We’ve helped plenty of people get poor credit financing so why not find out if you’d qualify by filling out our simple form.

It’s easy to complete so will only take a few minutes.


We won’t leave you hanging about either, our average turnaround time between receiving an application and contacting you to complete the process is under 10 minutes.


Manage your credit score in these simple steps:

  • Credit Report

    Review your credit report regularly to make sure information is accurate and up to date

  • Repayments

    Don’t miss any repayments

  • Close credit accounts

    Close any unused credit accounts as having a large overall credit limit may put some lenders off lending you more money

  • Electoral Roll

    Make sure you’re registered on the Electoral Roll, as it takes less time to confirm your personal information, the application will progress quicker


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.

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