If you’ve been refused car finance before, don’t worry bad credit car finance in the UK is possible. Many FCA-regulated lenders specialise in helping customers with CCJs, defaults, or missed payments. Here’s how to boost your approval odds.
Table of Contents
1. Use a Soft Credit Check
See if you’re eligible without affecting your score.
2. Be Accurate With Details
Mismatched information can flag applications.
3. Show Income Stability
Bank statements and open banking help prove affordability.
4. Lower Current Debt
Even small repayments improve your profile.
5. Save a Small Deposit
Reduces lender risk and monthly cost.
6. Consider Hire Purchase (HP)
HP approvals are often easier than PCP.
7. Apply via FCA-Approved Brokers
Guarantees fairness, transparency, and no hidden fees.
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