Flexible Car Finance Solutions for All Credit Scores

Understanding Your Options for Car Finance with Bad Credit

Struggling with bad credit doesn’t mean you have to give up on owning a new car. At Perrys, we specialise in flexible car finance options designed to support customers with poor credit ratings. With tailored plans, no-hidden fees, and expert advice, we’re here to help you find a solution that works. Discover how our trusted team can guide you through the car finance process and get you behind the wheel again today.

At Perrys, we believe everyone deserves a chance to get behind the wheel. We work with a wide panel of trusted lenders to offer great car finance options – no matter what your credit history looks like. In fact, more than 8 out of 10 applications at Perrys are successful!

We’re experienced in helping customers with a variety of credit backgrounds. Our team works to find flexible, affordable finance options tailored to your individual circumstances. We’re here to support you every step of the way. You can contact us anytime here, or try our fast and free finance pre-eligibility check - this gives you and indication if we can help you or not, with no adverse effect to your credit score.

Contact Us About Car Finance

Try our fast & free finance eligibility check

What is bad credit car finance?

Poor credit car finance is a special type of loan designed for people with poor credit scores or limited credit histories. It makes buying a car possible even if traditional lenders have said no. At Perrys, we understand that everyone’s situation is different and are ready to help you find the right deal.

Bad credit car finance can help when:

You’ve been turned down elsewhere
Your credit score is low
You have little or no credit history
You want to rebuild your credit
You need more flexible terms
You’re self-employed/have irregular income

Why choose Perrys for bad credit car finance?

We’ve helped people all over the UK pay for their cars. As a credit broker (not a lender), we offer a range of flexible finance solutions, including popular plans like Hire Purchase (HP), all tailored to suit different needs – for example, if you have no deposit or your car is in negative equity.

Our application process is less intrusive than the banks, and we won’t ask you to jump through hoops. Our mission is simple: to make car finance accessible for everyone.

Specialist support
High approval rates
Access to multiple lenders
Loan periods from 12 to 60 months
Get on the road quickly
Boost your credit score

What you can do to help.

Having a poor credit rating can feel like a hurdle when searching for car finance and finding it tough to get accepted, but there are practical steps you can take to improve things.

Check your credit report

Start by reviewing your credit report for errors or inaccuracies. Even small mistakes can affect your credit score, so make sure everything is correct. Services like Experian or Equifax can help you access and understand your credit file

Save for a deposit

A larger deposit can demonstrate financial commitment and reduce the amount you need to borrow. This can make lenders more confident in offering you credit, even if your rating isn’t perfect.

Choose the Right Lender

Some lenders specialise in working with customers who have poor credit, we use some of these in order to help customers in difficult situations. These lenders can offer tailored finance options that suit your needs better than traditional finance providers

Keep Your Budget Realistic

Consider what you can comfortably afford to pay each month. Setting a realistic budget ensures you’re choosing a finance plan that won’t put unnecessary strain on your finances

Build Your Credit Score

Simple actions, like paying bills on time and reducing existing debt, can gradually improve your credit score. Even small changes can make a difference when applying for car finance

Consider a Guarantor

If your credit history is particularly low, having a trusted guarantor could boost your chances of approval. This involves someone else agreeing to step in if you’re unable to meet your repayment obligations.

Car Finance Eligibility Check

Try our finance eligibilty check and see if you can help get you approved. Its fast and its free!

Pre-eligibility Check

Have you got questions about vehicle finance?

Then we can help! Whether you are in a position of negative equity on your current vehicle, have credit issues and are struggling to know if you can purchase a new vehicle or wnany to understand a little more about the different finance options available to you on a replacement vehicle then we are on hand to help. Complete the form and we will be in touch as soon as we can!