A bumpy credit history doesn't automatically mean no. Here's an honest look at your options and what can help.
If your credit history isn't perfect, it's easy to assume car finance is off the table. The honest answer is that it can be more challenging — but it isn't always a no.
Lenders look at more than your past
Some lenders focus on where you are now and where you're headed — your current circumstances and affordability — rather than your history alone. We can't promise acceptance (no one honestly can), but it's often worth exploring.
What can help
- A deposit or a part-exchange to reduce the amount borrowed
- Being on the electoral roll and keeping your details up to date
- A realistic budget that comfortably fits your income and outgoings
- Avoiding lots of applications in a short space of time
How a broker can help
Rather than applying to lots of lenders yourself, we look across our panel to find those most likely to be a fit for your situation — and we'll always be straight with you about what's realistic.
Building your credit over time
Keeping up with payments on any agreement you do take out can help your credit profile over time, which may open up more options down the line.
Everyone deserves a fair hearing. Start a no-obligation enquiry and we'll see what we can do, subject to status.
Northern Bear Automotive
An FCA-regulated motor finance broker (FRN 1011800) based in Newcastle upon Tyne. Founded in 2023 by Eileen Ahmady — who spent years in the motor trade and in motor finance, including at a bank providing vehicle finance to UK dealerships — our team helps drivers across the UK compare a panel of trusted lenders. About us.
This article is general information, not financial advice. Northern Bear Automotive is a credit broker, not a lender. All finance is subject to status and affordability. We do not charge you a fee for our services.
