Bad Credit Car Finance

At Perrys, we approve 8 out of 10 specialist finance cases. Even better, we've made our service as flexible as possible, so if you're having trouble getting finance, see if Perrys can help.

Our application process is less intrusive than the banks and we won't ask you to jump through hoops. We've been helping people choose the right car, on the right car finance agreement for generations (over 100 years actually).

Looking for car finance with bad credit?

If you have bad credit and looking for car finance, here at Perrys we would be happy to help. Bad credit doesn’t necessarily mean car finance is not an option to you, there are other factors that come into play and it may depend on your current personal situation as to whether you will be eligible for car finance.

We work with a range of lenders so, although you may not get approval with some, you may with others.

How do I know if I have bad credit

Unless you have done a recent credit check, you may not yet have an idea of what your credit score looks like. Bad credit can come from previously missed payments or if you have been denied a loan in the past.

There are ways to improve your credit rating, but this can take time, so it’s worth speaking to Perrys first to see what the situation is and whether you are eligible for car finance.

Can I get car finance with no credit history?

Quite often, no credit rating can be as negative as a bad credit rating as there is no trust built up so lenders won’t know how reliable you are at making repayments.

A credit score is a rating that  determines how likely a lender is to offer you credit, whether it be on a car, a loan or a credit card. Each time you apply for credit, your credit score will help lenders determine how trustworthy you are based on previous lending habits. If you have ever defaulted on payments for example, this will be marked on your credit history and will affect your credit score, but another factor can also be the amount of applications you have made previously.

Again, there are ways to improve your credit rating but this takes time. Speak to Perrys if you have no previous credit history and we would be happy to run through your options.

How to apply for car finance

If you think you may have bad credit, we recommend contacting your local Perrys dealer in the first instance or use our quick 30 second eligibility checker as this leaves no footprint on your credit search history.

What if I don’t have a job?

We all lead different lives, so it stands to reason that we all have different circumstances.  That means that sometimes the standard finance offerings aren't necessarily within our reach.

Car Finance based on your circumstance

We work with a number of lenders who will offer a finance agreement even if you don't have a job or if you've already been refused finance.  This also applies if you haven't had a job for very long or are self employed and this is having an impact of your ability to get finance.  If you're not sure about where you fit and you need some help, why not call, email or visit us in store.

Having difficulty getting car finance?

If you're having difficulties getting car finance, you'll need to complete the application.  We'll get a feel for which finance options suit you best and then we'll contact you with some quotes.

What we won't do

We won't set you up on a finance arrangement without your agreement first.  It's just not our style. We're driven by the many repeat customers (generations of them), it's a passion for us to get the right car to the right person with the right agreement. If we get that right… there's a good chance we'll see you again!

How long will the finance process take?

You can get your loan approved and collect your car on the same day. Our vehicles come complete with a full Experian history check, extensive mechanical checks and warranty.

Can you use a vehicle in part exchange?

If you have a part exchange, we'll be happy to give you a free no obligation value and getting finance won't be dependent on this if you choose to later sell the vehicle yourself.

Hear from previous customers...

I thought My credit history would be a problem – little did I know...

Mr Mann

I didn’t have much credit history and Perrys got me finance and got me on the credit ladder, and when I change my car in couple of years I should of improved my credit and get a better rate and package. I have to say, it’s been great advice.


My Divorce was messy.

Ms Kelly

Messy Divorce caused me many problems in the past – my finances were all over the place. I still needed a car and Perrys were able to get me the finance to get me on the road again.


Despite redundancy, Perrys got me in a car to help me back to work!

Mr Foster

I was made redundant back in 2012 and missed payments, but Perrys got me credit to get a reliable car which meant I could look for better work further-a-field.


My university debt was crippling me.

Mr Shaw

I ran up some small debts whilst at Uni but Perrys got me the car I wanted at the payments I wanted thanks to Perrys.