Bad credit car finance
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We’re a credit broker not a lender. Rates from 8.9% APR. Representative APR 11.9%
Representative Example: Borrowing £25,000 over 4 years with a representative APR of 11.9%, an annual interest rate of 11.9% (Fixed) and a deposit of £5000.00 the amount payable would be £362.01 per month, with a total cost of credit of £7,376.69 and a total amount payable of £17,376.69. Based on 6,000 miles per annum, excess mileage charges will apply if this is exceeded. Finance subject to status 18+ only.
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What is Bad credit car finance?
Car finance is a common alternative to purchasing your next car outright and involves an agreement with a lender to pay over an agreed time period.
Bad credit car finance offers financing options for individuals with poor or adverse credit histories, providing access to car loans with tailored terms and potentially higher interest rates.
Your payments can depend upon what car you decide to purchase, how long you wish to purchase it over, whether you wish to own the car, and how much you wish to pay upfront.
Why Choose Bad credit car finance?
Here at Fast Easy Finance, we’re committed to transforming lives, quickly and with no hassle. With a dedication to excellence and a commitment to unparalleled customer satisfaction, here`s why you should choose us:
What is bad credit car finance?
-Bad credit car finance offers financing options for individuals with poor or adverse credit histories, providing access to car loans with tailored terms and potentially higher interest rates.
How does bad credit car finance work?
-Bad credit car finance works similarly to traditional car finance, but with lenders offering financing options specifically designed for individuals with bad credit histories. These loans may come with tailored terms or higher interest rates to reflect the increased risk.
What are the benefits of bad credit car finance?
-Benefits of bad credit car finance include access to financing for individuals with poor credit who may otherwise struggle to secure car loans, potentially offering tailored terms or higher approval chances compared to mainstream lenders.
What are the drawbacks of bad credit car finance?
-Drawbacks of bad credit car finance may include higher interest rates or stricter eligibility criteria compared to standard car finance options, as lenders may mitigate risk by offering less favorable terms.
What are the different types of Car Finance?
We appreciate there are many different types of Car Finance products for you to choose from, and knowing which one meets your needs best is the key to happy financing. See a few of the different types below.
Hire Purchase (HP)
The loan is secured against the car, and you don't own it until you've reached the end of your agreement and paid the ’Purchase' fee.
A deposit may be needed but there would typically be no annual mileage restrictions.
Personal Contract Purchase (PCP)
The loan is secured against the car, but you don't own the car when the loan term ends.
Instead, you can choose to give it back, use any positive equity as a deposit in a new deal, or buy the car by paying the balloon payment.
Hire Purchase (HP)
The loan is secured against the car, and you don't own it until you've reached the end of your agreement and paid the ’Purchase' fee.
A deposit may be needed but there would typically be no annual mileage restrictions.