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Bad Credit Car Finance In Southend On Sea

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

Call: 01277 583 046

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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!


Find the car you want, even with bad credit

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Prices subject to finance check.

Rates from 6.9% APR Representative APR 19.2%.

We make it our mission to try to provide competitive car finance, even to 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.

Why Choose Car Finance Genie?

Our Incredible Service

We offer fantastic customer service throughout your application 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!

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 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 act as a broker, not a lender.

6.9% APR
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Total repayment
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Rates from 6.9% APR Representative APR 19.2%

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 Manchester 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 Manchester, we really are the the best place to get your new car!

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

Car Finance In Southend-On-Sea FAQs

No! We’re not only serving the people of Southend-On-Sea, but the whole of the UK.

Applying for car finance as a resident of Southend-On-Sea could not be easier. Fill out one of our forms to give us an understanding of your repayment capabilities, how much you need to lend and other financial information and we’ll get back to you as soon as possible!

Use our calculator here to find the best situation for you!

It is that easy!

Although we never guarantee a successful application, we try and provide a solution to whatever your issue may be. A no deposit car finance option may well be the best solution for your circumstances.