Apply Now

Ask the Expert - Poor Credit History

• I found you on Facebook and wanted to know if you really can help customers with car finance even with really bad credit history. I was hoping to buy a car to get me to work as my old one has just died. I am currently in an IVA but I have not got long to go now as I am nearly caught up and having spoken to my IVA manager I can get a letter from them agreeing to me taking out a small car loan. To get something decent I would need about £4000 and would like something sensible like a Ford Focus diesel if possible as I do about 50 miles a day. Please advise whether you think you can help.

  Hi Sue and thanks for your email regarding bad credit car finance. You have certainly come to the right place as we specialise in helping people with poor credit history. The lenders we deal with are more interested in whether […] read more

• Dears Sirs, I am currently working abroad but will be back shortly and in need of a car. I am looking for about £7000 and looking at your car finance calculator I am hoping that you can get my monthly payment to around £250 for someone who has poor credit. I looked at your car finance bad credit page and it says that you can help with bad credit history but still get a reasonable APR which sounds good. I have also been out of the country for about 2 years but do own a house here which I have been renting out. I have a deposit to put down of £2000 and have a good income but did miss a few payments on my mortgage while I was away because my tenants let me down. Please email me back if you feel you can help. Regards, Julian.

  Hi Julian and thanks for your email regarding bad credit car finance. You’ve definitely come to the right place as we specialise in giving help and advice to people who might have had a few financial problems in the past […] read more

• Can you help with IVA car finance? I had a few financial problems going back a couple of years ago and entered into an IVA to give me a chance to sort things out. I have nearly paid all my creditors back now but am getting desperate for a newer car to get to work as mine keeps breaking down and my relationship with my employer is not good because I keep on being late. I understand that an IVA stays on my credit file for six years even after I have finished paying things off but I wondered if there was any way you could help me with some car finance even with an IVA?

  Hi Sarah, Thanks for your email about IVA car finance and you have come to the right place. It doesn’t seem fair that someone who has made the effort to arrange payment of their debts should be penalised if they […] read more

• I’m looking for a car loan but have bad credit. My problems started when I was young and irresponsible but I have realised the error of my ways and need some help with repairing my credit score. From what I have read I need to take out a loan or credit card which I have avoided in the last few years. Apparently this will improve my credit score as long as I make the payments on time! I did have 2 CCJs from 6 years ago which I have now repaid and they are classed as “satisfied”. I was recommended to you by a work colleague who you helped and I was hoping that you can get me a car loan despite my bad credit. I could do with about £10k and have found a car at a local car dealer which I fancy. Can you help and how long does it take for you to get an answer?

  Hi Joanna, Thanks for you email and your questions. Firstly please do pass on our thanks to your work colleague for recommending us, at The Car Loan Warehouse we do pride ourselves on our customer service and it is really […] read more

• I need help and advice please. My credit rating is not very good but I really need car finance to get a car for commuting to work. My last car has just given up and is not worth repairing and there is no public transport for where I work as it is out in the sticks. I know my bad credit history is not going to help with obtaining car finance as I have had a few problems in the past but I am on track to sorting things out now. Generally my bad credit is related to when I was ill a few years ago and I got behind on my mortgage payments and credit card. I have arrangements in place to catch up on my debt and am almost caught up but because of my bad credit I am finding it hard to get my bank to lend me anything even though I only need about £5000. I had a promotion at work recently and my income is about £1800 a month after tax now so I could easily afford £200 a month to make the repayments. Having had a look at the Autotrader website I have found a few sensible Ford Fiesta diesels which look good for about £5k with reasonably low mileage and would be perfect for me. Can you contact me ASAP and let me know if you can help with bad credit car finance and how much the monthly payments and APR would be if I spread the repayments over 4 or 5 years? Look forward to hearing from you.

  Hi Robert and thanks for your email. Sounds like you have had a tough few years but good to hear that things are on the up. You have come to the right place for help and advice with obtaining car […] read more

• I have poor credit history and would like to arrange car finance.

  No problem, that is not unusual. Please fill in the online application form and we will do our best to get you approved ASAP. read more

• Apply now

  • Obligation Free Application
  • Private Sales Accepted
  • No Deposit Required
  • No Admin Fee
  • Quick Online Decision

• Ask a Question

• Meet our Experts

• Question Categories

  • Application Process
  • Car Finance
  • Credit Scores
  • FAQs
  • Horsebox Finance
  • Motorbike finance
  • Motorhome Finance
  • Poor Credit History
  • Van finance
  • WAV Finance

• Tags

  Application bankrupt best finance deal bmw finance buying car choice card payments car finance car finance bad credit category D CCJ child benefit company loan credit score dealership debt management decision Equifax Experian Fees good credit history guaranteed car finance horseboxes horsebox finance imports IVA IVA Car Finance low APR low rate Missed payments mortgage repayments motorbike finance motorhome motorhome finance new job pension personal loans Poor credit second hand Self-employed tax credits Taxi finance unemployed van finance voters role

• 5 Star Trustpilot Reviews

  Trustpilot