Finance Q&A - Personal Circumstances

Is it possible for me to get car finance with defaults in my credit file?

Is it possible for me to get car finance with defaults in my credit file? I defaulted on a payment a couple years ago and have had difficulty acquiring car credit in the past, but I always keep up with my payments/bills now.

Amy Cross

Answer from the Stoneacre finance team:

Hi Amy, thanks for using our finance Q&A. I'm confident we can get you behind the wheel. Here at Stoneacre, we specialise in helping customers with poor credit profiles, and this includes those looking for car finance with defaults. A default may deter some lenders from offering you finance, as they may believe you are likely to default on your payments with them. However, the fact that you say you've always paid your bills on time is exactly what lenders want to see when considering you for car credit. We work with a specialist panel of some of the UK's top companies, and our award-winning car finance team will be sure to match you with a lender that fits your current circumstances. The best way to find out if you're eligible for finance is to make an application using our online form. An initial application with us won't affect your credit file because we always carry out soft credit checks at the start, just to give us an idea of your eligibility for finance. Thanks for the question Amy.

Safely & quickly check your eligibility for car finance

Free soft search finance checker – find out today

piggy bank icon

No deposit required

stopwatch icon

Quick application

shield tick icon

Check with confidence

Search for your next car

We have 1000s of cars to choose from
New & Used