Simple & Transparent
From Application to
Driving Away
We've made getting car finance as straightforward as possible — even if your credit history isn't perfect.
Fill In Our Simple Form
Start by completing our short online application. We only ask for the essentials — your personal details, employment status, and how much you'd like to borrow. There's no lengthy paperwork and no obligation.
- No impact on your credit score at this stage
- Soft search only — invisible to other lenders
- Works on mobile, tablet, or desktop
- Available 24/7 — apply at any time
We Search 50+ Lenders
Once we receive your application, our team gets to work. We compare your profile against our panel of 50+ specialist lenders — including those who specifically work with customers who have bad credit, CCJs, defaults, or no credit history.
- Bad credit, CCJs, and defaults all considered
- No deposit options available with select lenders
- First-time buyers and no credit history welcome
- Self-employed and benefits applicants accepted
We Call You With Your Options
A member of our UK-based team will call you to walk through the finance options we've found. We'll explain the rates, monthly payments, and terms in plain English — no jargon, no pressure. You choose what works for you.
- Dedicated adviser assigned to your case
- Multiple lender options presented to you
- Full breakdown of monthly costs
- No obligation to proceed
Choose Your Car & Drive Away
Once you're happy with your finance offer, we connect you with our network of approved premium used car dealers nationwide. Choose your car, complete the paperwork, and drive away — it really is that simple.
- Access to approved premium used car dealers UK-wide
- Wide choice of makes, models, and budgets
- All vehicles HPI checked and quality assured
- Finance paid directly to the dealer
Who We Help
We Work With All Credit Types
Common Questions
Frequently Asked Questions
Will applying affect my credit score?
No. Our initial eligibility check uses a soft search, which is invisible to other lenders and has no impact on your credit score whatsoever.
I've been turned down elsewhere — can you still help?
Almost certainly yes. We specialise in helping customers who've been declined by high street banks and mainstream lenders. Our panel includes lenders who focus specifically on subprime and adverse credit.
I have a CCJ or default. Can I still apply?
Yes. CCJs, defaults, missed payments, and even bankruptcy or IVA are all considered. Every application is assessed on its individual merits.
How much can I borrow?
We can typically arrange finance from £3,000 up to £25,000 depending on your circumstances, income, and the lender's criteria.
Do I need a deposit?
Not necessarily. Several lenders on our panel offer no-deposit options. A deposit can help secure a better rate, but it's not a requirement.
How long does the whole process take?
Most customers receive a decision within 1 hour of applying. Once approved and a car is chosen, you can often drive away within 24–48 hours.
Still Have Questions?
Our friendly UK-based team is here to help. Give us a call, send a message, or just start your application — there's no obligation and no pressure.