Bad Credit in Car Finance.

No finance can ever be guaranteed but we will do everything we can to find a way round whatever stumbling block your application may have.

Get a quote from us today
Representative APR 24.9%

How does bar credit car finance work?

Read on to discover the key steps involved in obtaining bad credit car finance with the help of the Car Finance Genie team.

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!

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.

Why choose Car Finance Genie?

Our incredible service

With over 100 independent 5-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.

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.

CFG Quality Assured

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

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

There’s no question our car finance specialists won’t try and answer. Put it to the test and get in touch today!

Representative APR 24.9%

How we work.

Car finance made easy with 4 simple steps

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 can find a car finance option which suits you
Your car finance application
Get decision
We compare our panel of lenders and our experts will be able to outline the best options available to you if approved
Ford Focus ST
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

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

Here at Car Finance Genie, despite not being an exclusively online broker, we strive and specialise in car finance options for people with bad credit.

This means the quickest way you can get an answer on your application is through our car finance calculator, which various other online lenders don’t have and would require a face-to-face visit at a dealer not online. You can find out if your car finance application was successful without even getting out of bed!

Avoid using car dealerships as despite typically having relationships with a number of banks and finance companies, they are often much less likely to be able to offer a bad credit car finance option due to not specialising in granting these types of applications. They will often try to find a lender in their network that will approve you for a loan, but as many lenders steer clear of bad credit scores, this may take time and be a strenuous process that requires various communications at length or face-to-face visits.

Are there any risks with bad credit car finance? 

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.