Chipping Norton, Oxfordshire, OX7 5TB

Bad Credit History Finance

Bad Credit History Finance


Our online car finance facility has been specifically designed to help customers who may have had a poor credit history to find a car that fits within their monthly budget.

  • With access to 14 different lenders, we are able to find the terms which best suit a customers particular credit profile
  • Our “soft search” technology protects a customers credit rating
  • Saves customers having to “shop around” making multiple credit applications
  • Quick and very convenient service
  • Free of charge and no obligation quotes

Apply now


Here is how our online finance facility works:

  • Complete the brief online application to receive an instant decision at any time of day or night
  • One of our customer services team will be happy to answer any queries you may have
  • Obtain a credit limit that suits your ideal monthly budget
  • Visit the dealership to test drive a selection of cars that you already know are affordable

Anyone can apply provided you:

  • Are aged 22 years or over
  • Hold a full UK provisional or full licence
  • Are currently employed or self employed earning in excess of £850 per month (after tax)
  • Have been resident in the UK for over 3 years

27.9% APR Representative

Credit rating explained:

  • A lender will tend to judge your finance application based on two key areas:
    • i) how you have paid credit in the past (i.e. your ‘credit history’)
    • ii) your overall current ‘profile’ (i.e. how long you have been at your address and how long you have been in your current job etc.)
  • The lender will then combine these two elements to create an overall ‘credit score’ or ‘credit rating’ for you as a potential customer
  • With access to 14 lenders, we are therefore able to cater for most credit statuses
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