Bad Credit Car Finance

Have you got a bad credit history but need a car loan? No doubt you're finding it very frustrating. The good news is that at ACF Car Finance we may be able to assist you with a car finance application. Provided you meet the minimum eligibility criteria and can provide further information which may be required by the lender, this will be clarified with you once your application has been made.

Please note however, that you don't have to apply for car finance to buy a car from ACF Car Finance. You can simply visit your local dealership if you’d prefer to pay using an alternative method.

Minimum eligible criteria

In order to proceed with an application for loan approval, you must be able to answer 'yes' to the following questions:

  • Are you aged 21 or over?
  • Have you got a valid UK Driving Licence?
  • Have you lived in the UK for at least 3 years?
  • Do you earn over £800 per month (excluding self-employed)?

If you can answer ‘yes' to all of the car finance qualifying questions, then we can proceed with an application now, regardless of your credit history.

Apply online

It's easy to apply for car credit with the help of ACF Car Finance. Either call us on 0800 280 2087 or apply online.

How to Apply

  • Aged 21 or over
  • Hold a valid UK Driving Licence
  • Earning £800 or over per month
  • Resident in England or Wales
    (3 years' address history)
Apply Now