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5 Budget Cars for Bad Credit Holders

May 5, 2016

When it comes to buying a car, you might already have a make and model in mind – but when it comes to getting finance, have you factored in your credit score? If not, there’s no need to worry – help is at hand.

At The Car Loan Warehouse, we specialise in bad car credit finance and have put together a list of 5 budget cars that are suitable for those who suffer from a bad credit score – so getting your hands on a new set of wheels needn’t be a challenge.

Kia Rio


Original image by LouBeat

If you’re looking for an affordable small car that drives well, then the Kia Rio won’t disappoint. It’s smart styling, spacious interior and high-quality finish make it worth every penny. This practical and compact hatchback is relatively cheap to run and delivers decent fuel economy too. The 1.1 litre turbodiesel engine comes with stop-start technology and returns an impressive 85.6mpg – with CO2 emissions of 86g/km making it exempt from road tax. With prices starting from £10,145,the Kia Rio is the perfect ride for those with bad credit car finance.

Nissan Note


Original image by Kārlis Dambrāns

Retailing from £9,995, the stylish Nissan Note is affordable even if you have a negative credit score. Providing practicality as well as coming with low running costs, the cost-effective Note rivals the likes of the VW Polo. There’s bags of space indoors for passengers and luggage and this Nissan is great for city driving. Even the 1.2 litre turbocharged petrol engine delivers decent fuel economy of 65.7mpg and low CO2 emissions of 99g/km make it exempt from road tax – but if you’re in the market for more mileage, the 1.5 litre returns 78.5mpg

Citroen Cactus


Original image by Dein Nordrhein-Westfalen

If you want an eye-catching and unique SUV that delivers on performance but doesn’t come with a hefty price tag, then the Citroen Cactus is up for the job. The 110 PureTech engine has a 0-62mph time of 9.8 seconds and thanks to low CO2 emissions, it’s just £20 a year for road tax. There’s plenty of kit available across the trim levels and with a price tag of just £12,990, there’s not much about this SUV that doesn’t impress.

Skoda Rapid


Original image by Dein Nordrhein-Westfalen

Skoda have a reputation for quality cars that are both cheap to buy and run. With the Rapid, you’ll get all the quality of a VW design and technology for a fraction of the cost. This roomy and comfortable ride starts from £14,400 and comes with a choice of petrol or diesel engines – with impressively low running costs. The most economical in the lineup is the 1.6 TSI diesel – perfect for long distance driving.

Dacia Logan MCV


Original image by Kārlis Dambrāns

For an affordable saloon with plenty to offer, check out the Dacia Logan MCV. It might be considered a ‘no frills’ saloon but it’s great to drive and, if you don’t mind splashing out on kit, there are plenty of add-ons to choose from. For a cheap, spacious and practical family saloon, you’ll be hard pushed to find a car to rival this £6,995 Dacia.

Whatever type of car you’re looking for, The Car Loan Warehouse have plenty of competitive bad credit car finance deals on offer – so a less-than-perfect score doesn’t have to be an issue when it comes to buying a new set of wheels.

To find out how we can help, apply now and we’ll get back to you with a decision within the hour. Alternatively, get an instant estimate before you start shopping by heading over to our car finance calculator now.
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About The Author

Jon Le Roux is co-founder and company director of The Car Loan Warehouse. Being a mad engineering and motorsport enthusiast, I spend more hours than is healthy, watching, reading or talking about cars, boats, motorbikes…..basically anything with an engine.