Problem Finance
Bad Credit Car Finance
Are you worried that you won't be accepted for car finance due to bad credit? Let us put your mind at ease. We have specialised in arranging car loans for people with poor credit for many years. As such, we have access to specialist lenders and will go out of our way to make sure you get the best deal for your budget.
What is bad credit?
If you are wondering what we mean by bad credit, here is our explanation. Your credit score reflects your borrowing history and how reliable you have been at repaying loans in the past. Your borrowing habits can impact your rating positively and negatively and poor habits can lead to bad credit.
Examples of poor habits which are likely to result in bad credit include missed or late payments on credit cards and other types of finance, rent arrears, defaults, County Court Judgements and bankruptcy. Having no record of borrowing can also have an adverse effect on your credit score. This is because there is a lack of evidence to prove to lenders that you can be depended on to make repayments.
How can I find bad credit car dealerships near me?
Switch Car Group has years of experience specialising in arranging bad credit car finance in Liverpool. We have excellent relationships with multiple lenders specialising in bad credit which helps us give our customers the greatest chance of being approved for the best possible deal.
We can help you secure bad credit car finance in Liverpool even if you have the following:
- Bad credit history
- Been refused elsewhere
- CCJ's, defaults, arrears
- A history involving significant debt or bankruptcy
- No credit history
How it works
All you need to do is complete a brief online application form and then you can sit back while we compare the best deals on bad credit loans. A member of our team will then be in touch within the working day to talk you through your options and support you to secure the right deal.
We offer..
High approval rates
While no lender can offer guaranteed approval for car finance, our providers will only refuse applicants if they are unable to prove that they can make repayments.
Low rate loans
No matter what your credit circumstances may be, we will strive to secure the best rate possible for you.
Quick and easy application
You can apply for bad credit car finance entirely online in less than five minutes using our simple step-by-step application process. You will just need to answer the questions which appear on your screen and click the submit button when you're done.
Fast decision
We provide almost instant decisions from our lenders and endeavour to get back to you within the same working day that you apply.
Frequently Asked Questions
Can I get car finance with bad credit in Liverpool?
Yes! At Switch Car Group, we help customers secure car finance in Liverpool even with bad credit. We work with a wide range of lenders who understand that past financial difficulties shouldn't stop you from driving a reliable car. Our team looks at your current circumstances to find flexible bad credit car finance options that suit your budget.
Does car finance affect credit score?
Initially, there will be a soft credit check which won't affect your score. Only when you proceed with a full application will a hard search be recorded on your credit file. Making regular payments on your car finance can actually help improve your credit score over time.
What credit checks are done for car finance?
At Switch Car Group, we start with a soft credit check to assess your eligibility for bad credit car finance in Liverpool. This step won't lower your score. If you choose to proceed, lenders will run a hard credit check to review your financial history and affordability. Our goal is to match you with lenders who give fair consideration to your situation, even if your credit history isn't perfect.
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