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Poor Credit Car Finance

Hassle Free Bad Credit Car Finance

Buying a car with bad credit

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

If you have bad credit or are being rejected by other lenders get in touch with us here at Euphoria Finance today. We understand that getting credit when you need it isn’t always easy, particularly if you are self-employed, have a CCJ, or have experienced bankruptcy in the past. Don’t let poor credit affect getting a new car, simply get your 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 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 are able to 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 super 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 your hassle free car finance to get you back in the drivers seat.

Get a quote online today to see how Euphoria Finance can help you. Alternatively, give us a ring on 01282 509609 and one of our car finance experts will be able to help you.

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 a new or used car. 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 off 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 check 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.

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