Bad Credit Car Finance In Southend On Sea

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

Here at CarFinanceGenie we specialise in helping the people of Southend-On-Sea and the UK in getting them sitting comfortably in the driver’s seat.

We specialise in both Bad Credit Car Finance and Car Finance with Zero Deposit options, meaning if we can grant your application, no matter your financial situation, we’ll do all we can to do so.

Southend is one of Essex’s more famous tourist and visitor attractions. With the renowned pier, Adventure Island theme park and famous fish and chips

Now a hub of housing, shopping and office space, having a car to get to and from Southend-On-Sea is a big requirement for many people in the local area.

Get in touch today to see how we can you behind the wheel of your new car!

No matter where in the UK a customer may live or work, what their financial situation is or what their circumstances are at the time, we have made so many people’s vehicle wishes a reality. Trust us here at CarFinanceGenie to make your car finance dream a reality.

Maybe you need a new car to take frequent trips to Southend’s beachfront amenities, or a maybe just a new car that won’t let you down on your daily commute. Whatever your reason for deciding you want something new, one quick application form and you’re on your way!

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

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:

Our finance calculator
Repayment term (years)

Rates from 10.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £8000 over 5 years with a representative APR of 24.9%, a fixed annual interest rate of 24.9% APR and a deposit of £0.00, the amount payable would be £220.67 per month, with a total cost of credit of £5420.20 and a total amount payable of £13,240.20

We look the find the best rate from our panel of lenders and will offer you the best deal you're eligible for. We don't charge for our service but we will receive a commission. This does not influence the interest rate you're offered in any way but can vary by lender.

We act as a broker, not a lender. Further info on request.

6.9% APR
Total cost of finance
Total repayment
60 monthly payments of

Car finance products that are available from us include  hire purchase (HP), conditional sale and personal contract purchase (PCP) deals. Both of 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 are happy to explain the different types of agreements further, just ask!

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 of your car in Southend-On-Sea very soon!

We recognise here at CarFinanceGenie that every customer has different requests and requirements, whether they are in based in Southend-On-Sea or beyond. We offer a service that is specifically developed to cater for your specific preferences and requirements.

Whether you have financed cars before in the past or this is your first time, our specialist Car Finance Lenders in Southend-On-Sea can help you every step of the way.

We won’t bombard you with confusing technical jargon or small print terms. We’re transparent and clear every step of the way because if you are happy, so are we.

With hundreds of cars now available through our partner dealers in Southend-On-Sea, we really are the the best place to get your new car!