Bad Credit Car finance

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Choose a car from any reputable dealer

Having bad credit or a low credit score dosen’t mean you cant get finance to buy a car. We have access to a panel of lenders who are willing to offer finance and loans to adverse credit customers. Apply for a free quote today to see what financing options are available to you.

Your monthly payment will be:


Interest on this loan will be:


Annual Percentage Rate (APR):


Total repaid will be:


Representative example: borrowing £7,500 over 4 years with a representative APR of 25.4%, an annual interest rate of 25.4% (Fixed) and a deposit of £0.00, the amount payable would be £239.77 per month, with a total cost of credit of £4,008.96 and a total amount payable of £11,508.96

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when it comes to car finance

Your finance sorted

Whether you have a good or bad credit history we have access to a panel of lenders to find a deal that suits your needs.

By understanding your finance options first, you can shop for a car with a budget in mind. Use our car finance calculator to get an estimate of the finance costs and monthly repayments.

We're here to help

Your account manager is here to make your life easier. Whether it’s finding your perfect car or speaking to the dealer, they’ll always be on hand to help.

Choose a vehicle of your choice

You can choose a car from any reputable dealer and we’ll carry out the necessary checks to make sure you’re good to go. Don’t forget we can also help with all types of vehicle finance including motorbike finance, van finance and motorhomes.

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What our customers say

Losing my job at the start of the year left me with debts and some adverse credit issues. I had previously been refused a car loan from my bank. The application process with Slainte has been easy and straight forward and I've been accepted for credit.
Jason Taylor
Glasgow, Scotland

Frequently asked questions

Yes. You can trade in your old car against a new one. Having a car to trade in will mean you wont need to borrow as much and will reduce your finance repayments, and may make it easier for you to obtain finance.

If you have some adverse credit or a low credit score then you will be deemed a higher risk borrower by the lender. This means it is most likely you will be required to pay a higher rate of interest APR.

If you have some history of credit issues then this shouldn’t stop you from getting a loan or finance. Our panel of finance providers includes those who specialise in “bad credit” car loans and financing options. To find out if you are eligable for credit only take a few minutes using our free online quote form.

No, it is not neccessary to have a deposit. If you don’t have money to put down against your new car then are still financing options available to you. Request a free quote to learn more about your options.

We can help you finance both new and used cars from any reputable UK dealership. Our partners are Carfinance247 can also help you choose a car or vehicle from over 100,000 online examples. If you need any help finding your ideal car then you simply need to ask an an account manager will be available to assist you.

If you are in mortgage arrears or experiencing credit problems we have access to lenders who will still consider you application. The lender will assess your application and consider all the factors. Request a quote online to see if we can help.

We have lenders who will consider finance and loan applicants who are in an IVA (Individual Voluntary Arrangement). These lenders will also consider a range of bad credit issues and specialise in dealing in this type of finance. Request a quote to learn more.

A soft credit check will be required when you request a finance quote. This type of credit check will not effect your credit score. Only when you make a full application for credit after you have accepted our quote will this leave a footprint on your credit history. If you are concerned about a credit check beause you have adverse credit issues, then this dosent need to be the case as we can still help you find car finance even with a fair to low credit score.

Yes. If you have a suitable personal willing to act as a guarantor then we can help. We have access to guarantor lenders and finance providers who will be willing to consider your application.

Let's find you a great deal

Applying with us online only takes a couple of minutes and won’t affect your credit score. Finance solutions for all customer types including adverse credit.