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Car Finance With Bad Credit

We promise to make finding and financing a car straightforward and stress free

Call: 01277 583 046

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Are you a motorist in the UK on the lookout for car finance from a company that you can trust? If so, you’ve found the right place in CarFinanceGenie.

We make it our mission to provide competitive car finance, we could even help applicants who may have been turned down for loans in the past. We also take pride in our straightforward, hassle-free and transparent service, as well as in the wide range of options we provide for finance.

#WishUponACar with us!

Drivers of all backgrounds, circumstances and requirements routinely approach us for straightforward stress-free car finance.

Maybe you’re in need of a new car, but have a poor credit score and have been rejected for finance by other lenders. Or perhaps you aren’t in a position to pay a deposit for your next car finance deal, or are seeking car finance that doesn’t require a guarantor?

Whatever your own preferences and needs, we will work hard to give you the complete service, and many choices. It takes just a few minutes to fill in and submit our straightforward online application form.

It couldn’t be quicker or easier to find out what car finance deal we could offer you. Furthermore, with our panel of lenders including many that specialise in providing deals for applicants with bad credit, you could have a stronger chance of being accepted for finance than you would with our competitors.

Bad Credit Car Finance

No! So, how could you boost it? Well first things first, the key to improving your credit score is understanding it first.

Your credit score is a three-digit number which is calculated using information from your credit report. Your credit report takes into account all of your financial information and history before determining your three-digit credit score. This three-digit score is what car finance companies will use to help make a decision on your application.#

You can find out your credit score and review your credit report by using various online credit score checkers.

Once you’ve found out your credit score, don’t panic if it isn’t as high as you might like. There are various steps to take to improve it and here at Car Finance Genie, we specialise in helping to provide successful applications to applicants with a bad credit rating.

Whilst we will never offer advice on your particular score, the below are steps that could help:
Make sure as many outstanding credit payments are paid as on time as best you can possibly achieve.
Make sure you are on the electoral register. If you are not listed, it may be more difficult for you to get credit due to a lack of a verified address.
Improving your credit score won’t happen overnight! Stick with making your full monthly repayments as it will show to credit lenders you are committed to repairing your credit and this might make you seem less of a risk to lend to.

How It Works

Get the car you want, on a finance deal that suits you

We realise that it can be stressful and daunting to find the right car finance deal. That’s why we’ve gone out of our way to take all of the hassle out of the process for you.

Use our handy Car Finance Calculator to get started:


Credit profile
Repayment term (yrs)

Rates from 6.9% APR; the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6500 over 5 years with a representative APR of 19.2%, an annual interest rate of 11.3% (Fixed) and a deposit of £0.00, the amount payable would be £169.54 per month, with a total cost of credit of £3672.40 and a total amount payable of £10,172.40.

We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way.

We act as a broker, not a lender.

6.9% APR
Total cost of finance
Total repayment
60 monthly payments of
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Rates from 6.9% APR Representative APR 19.2%

Get the car you want, on a finance deal that suits you

We realise that it can be stressful and daunting to find the right car finance deal. That’s why we’ve gone out of our way to take all of the hassle out of the process for you.

Car finance products that are available from us include hire purchase (HP), conditional sale and personal contract purchase (PCP) deals. These types of car finance involve the customer paying back a fixed amount each month, until the end of the loan term.

With a hire purchase deal, though, the car will become yours at the end of the agreement. If you instead opt for personal contract purchase finance, you’ll need to either pay a final balloon payment once the loan term concludes in order to own the car permanently, return the car or exchange it for another. Our team will be happy to discuss further details of the types of agreements available at any time!


Car finance terms obtained through us generally last between two years (24 months) and five years (60 months). A longer term will mean a lower payment each month, although a shorter term will – of course – enable you to finish all of your payments earlier.

Another good way to reduce how much you need to pay each month is to pay a deposit. This will mean you have less to finance across the term of the loan. However, we also receive many applications from people who don’t wish to pay a deposit or include a guarantor, and we strive to cater to all of these needs, too.

We have exceptional relationships with a number of carefully selected dealers giving you plenty of desirable and trusted vehicles to choose from. However, don’t worry if the car that you want isn’t represented in our current stock, as we also have an expert vehicle sourcing team to help you to find the right car.

You could be behind the wheel sooner than you think

We recognise here at CarFinanceGenie that every customer is different, and that you therefore deserve a service that is geared to your specific preferences and requirements.

You may have financed a car many times in the past, or this may be your first time seeking car finance in Essex. You may also be anxious to ensure that whatever car finance deal you are offered is one you can realistically afford to repay.

This is why we will give you responsible and honest information, with no confusing technical jargon. We will then continue to communicate with you at every stage of our relationship, so that you can be sure of getting not just any car finance in Essex, but the right car finance in Essex.

With hundreds of cars now available through our partner dealers in Essex, we really are the perfect source of affordable car finance for drivers in the county. So, why not apply today?

How It Works

Please enter a few details below to see how much you could borrow.



Ready for a new car? Get a no-obligation finance quote. We consider most credit situations and have access to a wide panel of lenders, so we could find a car finance option which suits you


Get approved

We compare our panel of lenders and our experts will be able to outline the best options available to you


Choose a car

With hundreds of trusted quality used cars available from our carefully selected dealers, your dedicated Genie will be on-hand to help find the right car for your needs and budget


Drive away

Wish granted. Complete all of the required documents and get the keys to your new car.

Providing the best car finance deal today

The principle behind car finance is simple: instead of paying the entire sum for a car upfront, you can divide the cost into manageable monthly installments.

There are various car finance products available. At CarFinanceGenie our main focus is on two finance products; hire-purchase deal and personal contract purchase. Don’t worry – if you’re already lost. We break down the jargon and will always explain everything to you in straightforward and honest terms.

There are various factors which can impact the cost of your monthly payments, including; the length of the term, whether you choose to pay a deposit and the strength of your credit rating. There are a lot of possibilities when it comes to car finance, and we’ll delve into some of them in more detail below.

Why Choose Car Finance Genie?

Our Incredible Service

We offer fantastic customer service, based in Brentwood, Essex, throughout your application process and beyond. With over 100 independent five star reviews, don’t take our word for it. Find out what our customers have to say!

Trusted Dealer Network

We’d never send you to the wrong place! Our fantastic network of carefully picked, trusted dealers mean you can get the car you want with complete piece of mind. As we hand pick our dealers, we trust them to provide you with the vehicle you want in exactly the condition you want it at a great price!

SAF Approved

SAF Approved provides recognition for companies like Car Finance Genie where all of our staff involved in your finance application have passed the SAF Expert test. This makes us ready to assist and give you the best advice on any queries you may have.

CFG Quality Assured

Here at Car Finance Genie, every vehicle is quality assured to our highest quality assurance standards. Our rigorous checks and trusted dealers mean you can drive away without having any worries on your new vehicle’s quality.

No Deposit Finance Available

Want to get a great car finance deal but haven’t been able to build up a deposit to put towards it? No problem! We offer various flexible options within our finance options including bad credit finance and car finance without a deposit. Whatever your situation, we’ll try our best to help!

Years of Experience

Our experts have many years of experience combined- whatever your situation is, we’ve probably seen it before! There’s no question our car finance specialists won’t try and answer. Put it to the test and get in touch today!

We are extremely proud of every single one of our independent customer reviews

Bad Credit in Car Finance FAQs

Absolutely! All bad credit lenders will have their own different criteria and methods of assessing whether they feel you can qualify for their car finance service, and as we specialise in bad credit car finance, we will do everything we can to find a way round whatever stumbling block your application may have. No finance can ever be guaranteed, but we do guarantee to try our best!

There is a risk with any financial loan you take out. Here in the UK, car finance is regulated by the Financial Conduct Authority and lenders must follow responsible and ethical lending practices. The finance is secured on the vehicle, so if you don’t keep up with the monthly repayments, we can take steps to repossess the car. However, if you are having trouble paying your car finance, get in touch today with the contact details at the bottom of the page and we can see if we can help.

Specialist low or bad credit lenders like ourselves at CarFinanceGenie are more likely to support your loan than mainstream lenders, thus giving you a higher chance of a successful application.

Buyers who have managed to satisfy an order of bankruptcy inside of six months could still get car finance applications accepted, so it is still worth applying on the car finance calculator above.

The car finance deal that you can obtain – as well as the one that best suits your requirements – will naturally depend on a range of factors and we are on hand to help when you are choosing a product that fits your needs. Obtaining the best car finance deals available to you will depend on factors such as your personal and financial circumstances, your age, employment, and credit rating. We work with several different lenders and will always ensure that we try and find you the best deal possible. Whether you have CCJs on your file, are in an IVA or have been previously declared bankrupt (now discharged) we are here to try and help.

At CarFinanceGenie we promise to make the process of finding and financing the perfect car stress free. For far too many people securing car finance is an arduous and long-winded task. In 2018, our co-founders set out on a mission to simplify a process that can be daunting and confusing, and we take great pride in our exceptional track record in achieving acceptance for customers who may have struggled to get car finance in the past. CarFinanceGenie provide a stress-free and honest service for those who simply want to find the right car for the right price. We break down all the technical jargon and we supply all the information so you’re able to make an informed decision. It is our mission to be straightforward and honest with 100% of the people we deal with. We operate with complete transparency and ensure that you are communicated with every step of the way.