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Poor Credit Car Finance

Hassle-free bad credit car loans

Buying a car with bad credit

Bad credit shouldn’t stop you from being able to purchase the car you need. We all need to get from A to B and you can feel stuck in a rut when some lenders won’t approve your credit application.

If you have bad credit or are being rejected by other lenders, get in touch with Euphoria Finance today. We offer bad credit car loans to help you get back in the driver’s seat. We understand that getting poor credit car finance isn’t easy, particularly if you are self-employed, have a CCJ, or have experienced bankruptcy in the past. Don’t let bad credit affect you getting a new car, simply get a car finance quote now.

Where can I get the best car finance for bad credit?

At Euphoria Finance, we are highly experienced with helping individuals with bad credit secure affordable car finance. Whether you missed payments on household bills or struggled through redundancy, we are here to help you get back on the road in a new car.

We assess each case individually. This means when you apply for car finance with us, we will decide based on your own personal situation rather than having a pre-set criteria each of our customers must satisfy. By carefully assessing each case and really listening to the circumstances of each person we talk to, Euphoria Finance can accept many more people for fast car finance than other lenders.

How to get car finance with bad credit

Our aim at Euphoria Finance is to secure you the best car finance package based on your personal circumstances, whilst giving you the best possible price. Because we are a direct lender, we can do things differently, enabling us to serve customers refused finance elsewhere.

Once you have completed a no obligation finance quote, we can get you approved quickly because we are a direct lender, not a broker. Once approved we have over 50,000 cars available for you to choose from, with brands including:

  • Audi
  • Fiat
  • Volkswagen
  • Citroen
  • BMW
  • Jaguar
  • Nissan
  • Range Rover
  • Ford

Once you have selected a vehicle you are welcome to collect, or we can deliver nationwide – whatever is easiest for you! You’re then free to enjoy your new car.

Bad credit new car

Poor credit history should not mean you can’t get car finance. We understand how important having a car is, from getting to work to ferrying the kids to school. This is why, as a direct lender, we can offer you hassle-free car finance to get you back in the driver’s seat.

Get a quote online today to see how Euphoria Finance can help you. Alternatively, call us on 01282 509609 to speak to one of our car finance experts.

Poor Credit Car Finance FAQs

Can I buy a car with bad credit?

At Euphoria Finance, we don’t believe that a poor credit rating should stop you from getting any car, whether it be new, used or even an electric car on finance.Unlike other dealers or brokers that may turn you down, we look after our customers on a case-by-case basis and will only provide car finance deals you can comfortably afford. We base eligibility on your current circumstances, not those from the past.

At Euphoria Finance we offer finance deals on both new and used cars. As long as you can afford the car you want (and we will double check this) then we can help secure your new car finance deal. Don’t be disheartened if a new car is out of reach, we have car finance deals available for some top of the range used cars too.

Your credit score is a numerical representation of how well you handle your money, specifically credit. This is when you make a purchase and have to pay the money back, such as using a credit card or having a phone contract. Many car loan providers take this into consideration when determining eligibility for car finance, regardless of your current income and financial status.

We are pleased to provide our customers with hassle-free car finance based on what you can currently afford rather than your credit history.

With Euphoria Finance, we don’t take your credit score into consideration. We look at your finances at the moment you apply. Other lenders may have a specific minimum credit score, but this is not how we operate. Euphoria Finance simply checks what you can afford and provide car finance deals based on this.

It is not unusual for your credit score to drop a little when you first take out a car finance deal. However, provided you make repayments on time, car finance can actually boost your credit score long term.

Euphoria Finance are committed to getting you back behind the wheel. We have the experience to secure you the best car finance deal even when other lenders have rejected you. We cater to the individual needs of each customer and assess each case to understand personal circumstances, budget, and what monthly payments you can afford. Simply get a quick car finance quote online today to start the process.

View our current vehicles for sale. However, because we are a car finance direct lender we have the ability to create a bespoke finance deal for you on a vehicle you love. We offer loans between £3,000 and £25,000 and you will have access to 50,000 vehicles once you have been accepted. We don’t limit your choice of car just because you have a bad credit score, we will work with you to find the best car and best finance deal available.

No, with Euphoria Finance we offer bad credit finance deals on not only new and used vehicles, but vans, motorbikes, caravans and motorhomes too.  Find out more:

You may find your credit score drops a little when you take out car finance direct from Euphoria Finance. However, in the long term (provided you don’t miss any car finance payments) it can actually help improve your credit score.

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