Cars on Finance – How to get approved for car finance with any credit rating

Looking for a dealer that specialises in Cars on Finance? Look no further!

Fill in the car finance application below to check your eligibility. We only use soft search so there is no impact on your credit rating. Choose which car you want from the dropdown.

Application

Your Details

Title *

First Name *

As it appears on your driving licence.

Last Name *

As it appears on your driving licence.

Email Address *

Mobile Number *

Date of Birth *

Month *

Year *

Marital Status *

Number of Children (Aged 16 and Below) *

How would you rate your credit? *

Who recommended us? (They may be entitled to a gift if you buy a car from us) *

Where did you hear about us? *

Which vehicle are you interested in?

Which car are you interested in? *

Please give us as much detail as possible so we can tailor your approval.

What is your monthly payment budget?

Driving Licence *

If you don't have a full licence, you will need to apply jointly with a partner/parent living at the same address.

Employment Type *

If you are paid in cash, you will need to apply jointly with a partner living at the same address.

Add Joint Hirer *

Must be at the same address as you.

Can I apply for cars on finance if I have bad credit?

Yes you can. There are several lenders in the U.K. that specialise in bad credit and Pay Weekly Car Finance has access to all of them. You must have enough affordability to be able to meet the weekly or monthly repayments. Each finance company will complete their own affordability checks which will take into account your income, a calculation to work out your likely cost of living, and then how much liability you have for your existing and historic credit.

When you apply for finance, your application will automatically be submitted to every fair and bad credit car finance provider using soft search. Then we will receive decisions from all of them within 2-3 hours, after which, we’ll get back to you with a decision and let you know all your options.

What cars on finance do you have in stock?

All of the cars we have in stock are listed on the stock page of our website. There should be 25+ photos and a video for each car. Each car comes with a 6-month warranty, full MOT and recent service.

Do you offer guaranteed car finance?

There is no such thing as guaranteed car finance. Although there are finance companies that lend money to people with bad credit, they need to make sure that anyone they lend money to is in a good position to pay them back so they will look for signs of affordability from your credit report as well as completing an affordability assessment.

Pay Weekly Car Finance deal with every bad credit car finance provider in the UK so offer you the best chance of a car finance approval. Your application automatically gets routed to every fair and bad credit car finance provider in the UK and we will get back to you with a decision in 2-3 working hours.

If I apply for car finance, how does it affect my credit score?

There is no impact on your credit score if you make a finance application, all the fair and bad credit car finance providers in the UK use soft search which leaves no footprint on your credit file. A hard search will be added once you sign a finance agreement, but not before.

So, if you just want to find out whether you can get approved, what rate you are eligible for, and how much you would be able to borrow, the only way to find out is to apply for finance.

Should I apply through a broker or a car finance dealer?

This usually depends where you’re looking to buy a car from. There are several finance providers that deal with dealers and brokers, but there are also a handful of bad credit lenders that only deal with dealers. So, to offer yourself the best chance of a car finance approval, you would be better applying with a car finance dealer than a broker.

Once you get car finance approved, you will be asked to provide proof of ID and often, proof of income in order to satisfy the finance company’s responsible lending criteria. Once you’ve done that, you will be able to complete an esign agreement to secure your chosen car and then come in to collect your vehicle. It’s really that straightforward!