Flexible Repayments, Easy Approval, and Hassle-Free Deals – Get the Advantages of No Credit Check Car Finance Now!
Worried about poor credit history blocking your path to outstanding car finance terms? You’re in luck: CarFinanceToday works with trusted lenders who often provide excellent terms, even to those with bad credit or no credit history at all.
No Credit Check Car Finance is a type of car loan designed to bypass a hard credit check. While we’ll still have to access your credit report with a soft credit check, your credit history won’t be the only factor involved in making the decision.
Instead of credit history, the process aims at your capacity to repay the money and the current status of your finances. Guaranteed car finance, even with bad credit!
This may be perfect for those who had, or still have, poor credit scores at some point in life or simply want to avoid the full credit check process.
You can still get a great car loan without a hard credit check. That means you’ll get a fantastic choice of vehicles and top terms without any damage to your credit file.
However, we’ll almost always conduct a soft credit check on every applicant, just so we can offer personalised terms that suit the buyer and lender.
Crucially, a soft credit check does not have any affect on your credit score and can’t be seen by other lenders—essentially, it makes no difference to your credit history. You’ll still be able to:
We strive to make car finance accessible to all, even those with poor credit history. With that aim, we conduct soft credit checks for all of the following car finance models. With each of these deal types, the lender will tailor personalised terms to suit your needs—even, in some cases, without a hard credit check!
Hire Purchase remains one of our most popular car finance models. With HP, you’ll get a personalised car loan with terms tailored by your credit check (among other factors, like your income).
HP lets you spread the cost of the vehicle across a set amount of monthly payments and drive away as the owner at the end of the loan term. Lenders will assess your credit file to agree APR and loan term, etc.
Hire Purchase is perfect if you want:
In some cases, lenders may also offer PCP financing despite poor credit history and with only a soft credit check.
With a PCP model, you’ll also pay in fixed monthly payments. But unlike HP, you’ll have an optional balloon payment at the end of your loan term. That may mean you’ll have more restrictions on your car usage, but you’ll also enjoy:
Another great way to sidestep credit history restrictions when applying for car finance? Try Guarantor Car Finance. This car loan type is specially designed for those with lower and bad credit, making it a perfect choice for buyers with a non-ideal credit report.
Here, your payments will be guaranteed by a third party (usually a family member or trusted friend). This means your credit history won’t be so important, reassuring lenders into giving you:
We’re proud to work with lenders who offer unbeatable terms regardless of your credit file. That said, it’s a good idea to get ahead of your finances and figure out exactly how much you can afford on No Credit Check Car Finance per month. Just use our free car finance calculator below!
Head of Content and Conversion
Getting approved for car finance despite bad credit can be easy—all you need to do is follow CarFinanceToday’s simple process to start comparing the best deals and find the perfect car loan today! Here’s how it works:
When you apply for no credit check car finance, we match you with our panel of trusted lenders who provide flexible finance options. These lenders look for your current income, your employment status, and your ability to pay. That’s in place of looking into your past credit history for car finance.
All of this is done with no hard credit check, so your credit score isn’t affected. This is a great option for anyone that may have had issues with credit in the past, or that just want to keep their credit report clean.
You must be over 18 years of age, prove your income, and prove your residency. You also must have a regular income with a capability of making repayments.
Our lenders look at your current financial health, avoiding the long process of a traditional credit check.
We will work with you to find a comfortable payment structure with options for various loan terms and scheduled repayments.
At Car Finance Today, we are proud we can specialise in finding car finance, especially if you have poor previous credit history. Our team commits to making this process smooth and complication-free so as to get you behind the wheel of your new car.
We are very much aware that one’s life events may not always happen as one may have planned and hence, this commitment also extends towards giving certain people that chance to get onto the road and thereby achieve improvement in their working capability to look after their family affairs and achieve a good lifestyle.
Whether you need a car just for fun, commuting, or whether you are looking for a family car for your long weekend adventure, we’ll find the best deal for you with our network of lenders.
Our no credit check car finance gives you the freedom you deserve: to keep the car, trade it in, or give it back-whichever works best for your lifestyle and budget.
Have any further questions about how no credit check car finance works?
If you make a late payment, just call your lender. They may be able to offer options to get you back on track, like changing your payment schedule.
Most lenders do allow payoff before the end of the term. Be sure to check if there is an early payoff fee when paying your loan before the due date.
No, most of our lenders provide options with no deposit required, so it is much easier to get going without a significant upfront expense.
Depending on your lender’s policy, you can upgrade to a new model mid-term by trading in your car.
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