Question 1

Can I get car finance with bad credit?

Accepted Answer

Yes — that is exactly what we specialise in. We work with over 50 lenders who specifically cater for customers with bad credit, CCJs, defaults, IVAs, and even previous bankruptcies. Your past does not have to define your future.

Question 2

What credit score do I need?

Accepted Answer

There is no minimum credit score required to apply. Our specialist lenders look at your full financial picture — not just a number. Even if you have been declined elsewhere, we may still be able to help.

Question 3

Will applying affect my credit score?

Accepted Answer

No. We use a soft search to check your eligibility, which does not leave a mark on your credit file. Only if you proceed to a full application with a lender will a hard search be recorded.

Question 4

I have a CCJ — can I still apply?

Accepted Answer

Absolutely. CCJs are one of the most common reasons customers come to us. Many of our lenders specialise in CCJ cases and will consider your application based on your current circumstances, not just your past.

Question 5

I am in an IVA or have been bankrupt — can you help?

Accepted Answer

In many cases, yes. We have lenders on our panel who will consider applications from customers currently in an IVA or who have been discharged from bankruptcy. Please apply and one of our advisers will discuss your options.

Question 6

I have no credit history at all — can I apply?

Accepted Answer

Yes. Having no credit history (sometimes called a "thin file") is different from having bad credit. Several of our lenders are happy to work with first-time borrowers and those new to the UK.

Question 7

How long does the application take?

Accepted Answer

Our online application takes around 5 minutes to complete. Once submitted, one of our advisers will review your details and contact you — usually within a few hours during business hours.

Question 8

What information do I need to apply?

Accepted Answer

You will need your personal details (name, date of birth, address), employment information, monthly income and outgoings, and an idea of the vehicle you are looking for. You do not need to have a specific car in mind at this stage.

Question 9

How quickly can I get a decision?

Accepted Answer

Many customers receive a decision on the same day they apply. Once approved, we can often have you driving away within 24–48 hours, depending on the vehicle and lender.

Question 10

Do I need to visit an office?

Accepted Answer

No. The entire process can be completed online and over the phone. We work with a nationwide network of approved dealers, so you can collect your vehicle locally.

Question 11

Is there a fee to use Drive Away Finance?

Accepted Answer

No. We never charge you a fee for our service. We are paid a commission by the lender when we successfully arrange finance for you. This does not affect the rate you are offered.

Question 12

What interest rates can I expect?

Accepted Answer

Interest rates for bad credit finance are typically higher than standard rates, reflecting the additional risk to the lender. The exact rate will depend on your credit profile, the loan amount, and the term. Your adviser will always explain the full cost before you commit.

Question 13

How much can I borrow?

Accepted Answer

This depends on your income, outgoings, and credit profile. Our lenders typically offer finance from £2,000 up to £25,000. Your adviser will work with you to find a monthly payment that fits your budget.

Question 14

What repayment terms are available?

Accepted Answer

Repayment terms typically range from 12 to 60 months. Longer terms mean lower monthly payments but more interest overall. Your adviser will help you find the right balance.

Question 15

Do I need a deposit?

Accepted Answer

Not always. Some of our lenders offer zero-deposit finance. However, putting down a deposit can improve your chances of approval and reduce your monthly payments.

Question 16

Can I choose any car?

Accepted Answer

You can choose from a wide range of vehicles through our approved dealer network. The vehicle will need to meet the lender's criteria (typically under a certain age and mileage). Your adviser will guide you through what is available.

Question 17

Can I use my own dealer?

Accepted Answer

In some cases, yes. Please speak to your adviser about this. The dealer will need to be approved by the lender, but we can often facilitate this if you have a specific vehicle in mind.

Question 18

What happens if I want to return the car?

Accepted Answer

Your rights depend on the type of finance agreement. Under Hire Purchase (HP) and Personal Contract Purchase (PCP), you have the right to voluntarily terminate the agreement once you have paid 50% of the total amount payable. Your adviser will explain your rights fully before you sign.

Frequently Asked Questions

Eligibility & Credit

The Application Process

Finance & Costs

Vehicles & Dealers

Still Have Questions?

Ready to Apply?