Car With Bad Credit

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Car Finance

Car Finance – What We Do


At Car With Bad Credit, we specialise in helping to provide funding to those who are having difficulty getting credit from the normal banking system. Whatever type of vehicle you are looking for, from a small-town car to a seven-seater, Car With Bad Credit could help.

The approval of your application for finance is based on your ability to repay the loan and NOT on your financial history. We understand that not everybody has a perfect financial history and we believe that this should not stop you from obtaining finance, as long as you can afford the repayments.

Our Lenders consider every application – and like to say yes. As long as you are not currently in bankruptcy and can prove that you can afford the loan, we could get you finance.

All our lender’s charges are transparent. They have no hidden costs and the interest you pay on your loan will be explained to you by the finance company before purchase.

With most of our lenders, you do not have to put down a deposit when you buy your vehicle. If you do wish to put down a deposit or part exchange, your old car or deposit will reduce the amount you borrow – and should, therefore, reduce how much you repay each month.

When you receive your credit limit balance, the next step is to choose a car you like.

All cars are HPi checked to ensure that the vehicle has not been previously written off, or stolen, has no other finance outstanding, and to check the vehicle’s ID. The Lender will also check to make sure that you are not paying over the odds for the car. This free check is done to protect you and the lender.

You will not be asked any awkward questions. We are only concerned that you can afford your loan and that the repayments are set at a level that you can meet without difficulty each month.

How It Works

Once you are happy with the repayments an appointment will be arranged for you to sign the documentation. The car will have a new MOT, be fully serviced & valeted and when everything is complete you can drive away in your new car.

Car With Bad Credit has streamlined the application process – making it easier to get car finance than ever before. Simply call or apply online by filling in our easy application form.

We have become one of the biggest specialised lenders in this area and we have over 20 years of experience. Helping thousands of other customers and we could help you too.

Since 1994 Our Director has been helping provide customers with car finance. He has worked in a franchised dealer group, for specialised car finance companies. Set up and ran a car credit brokerage and now he uses all of his experience at Car With Bad Credit.

All of our lenders operate within the non-prime segment where our years of experience lie. We believe this approach is essential. By specialising in this area we are able to differentiate ourselves from our competition.

We have built a highly-ethical car finance business where customers are truly put first. Treated fairly, with dignity and respect.

It doesn’t matter if you have been turned down for credit elsewhere. Get competitive car credit today. Get a reliable car and an affordable loan – that’s all there is to it.


Cars We Cover

We can get most makes & models to order once we have your finance arranged. So contact us now and find out more about finance. Part exchange and all of the other services that we offer.


Car With Bad Credit t/a The Motor Place Limited is authorised and regulated by the Financial Conduct Authority, FRN: 709303. All finance is subject to status and income. Written quotation on request. We act as a credit broker, not a lender and we work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers.

It is our intention to provide a high level of service at all times. However, if you have reason to make a complaint about our service you should contact us. The Motor Place at Heneage Road, Grimsby, North East Lincolnshire, DN32 9JE. If we are unable to resolve your complaint satisfactorily, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). Further information is available by calling the FOS on 0845 080 1800 or at

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