Bad Credit Car Finance
- Most circumstances considered
- CCJs / Arrears? We could help
- No deposit options available
No impact on your credit score.
Kandoo Car Credit Is a Credit Broker Not a Lender, Representative APR of 22.6%
Eligibility Requirements:
- Full UK Driving Licence
- £1,000+ Monthly Income
Kandoo car credit is a credit broker Not a lender, Representative APR of 22.6%. Representative Example: Borrowing £8,000 over 60 months with a fixed representative APR of 22.6%, the monthly repayment would be £206.66 with a total cost of credit of £4,400 and a total amount payable of £12400 This is an example only, lender fees may apply, All finance subject to status.
Kandoo Car Credit Ltd (Company No. 12178111)T/A Kandoo Car Credit is authorised and regulated by the Financial Conduct Authority (FRN No. 936619). We are registered with the Information Commissioner’s Office – No. ZA549847. Applicants must be 18 or over, terms and conditions apply. We are a credit broker, not a lender. All finance is subject to status and income. We can introduce you to a limited number of finance providers and other brokers who may be able to offer you finance facilities for your purchase. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them, your rate is not affected by the amount of commission paid.
How it works
Apply online
Apply online with Kandoo Car Credit Ltd using our simple online application form.
Choose your dream car
We will contact the dealer on your behalf or you can choose from our recommended dealer network.
Drive away
Complete the documents and we can normally process your agreement on the same day.
No impact on your credit score
Why choose Kandoo?
£0 deposit options
Specialists in bad credit support
2,600+ 5★ reviews
Over 20 years of experience
Trusted dealer partnerships
Frequently asked Questions
Yes! Having a bad credit score doesn’t automatically rule you out of car finance in the UK.
Specialist brokers like Kandoo work with a panel of lenders who consider applicants with imperfect credit histories, including missed payments or low credit scores and can help match you with options that fit your circumstances.
While interest rates may be higher and terms can be stricter, many people with bad credit still secure finance and get behind the wheel.
Yes, it’s possible to get car finance even if you have a County Court Judgment (CCJ) or a history of arrears.
A CCJ or arrears can make traditional finance harder to secure, but specialist lenders and brokers that focus on adverse credit can still consider your application. Your overall financial situation, such as income and affordability, will be taken into account alongside your credit history when lenders assess your eligibility.
Car finance allows you to borrow money from a lender to purchase a new or used car, which you then repay in monthly instalments. The term “car finance” refers to various types of loans used for this purpose.
To find the right deal for you, you need to decide:
- How much you want to borrow – This is the amount needed to cover the car’s cost.
- How long you want to borrow it for – The loan term, which typically lasts between 1 and 5 years.
You can also reduce the loan amount by paying a deposit upfront, which will lower your monthly repayments.
Once approved, you’ll repay the loan amount, plus interest, over the term of the loan. Depending on the type of finance you choose, the loan might be secured against the car, meaning the car could be repossessed if you fail to make the repayments.
No impact on your credit score
Please note Kandoo Car Credit Ltd is a broker not a lender.
Kandoo Car Credit Ltd (Company No. 12178111)T/A Kandoo Car Credit is authorised and regulated by the Financial Conduct Authority (FRN No. 936619). We are registered with the Information Commissioner’s Office – No. ZA549847. Applicants must be 18 or over, terms and conditions apply. We are a credit broker, not a lender. All finance is subject to status and income. We can introduce you to a limited number of finance providers and other brokers who may be able to offer you finance facilities for your purchase. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them, your rate is not affected by the amount of commission paid. Our commission is a fixed payment or percentage; however, this may vary by lender. Further information available on request.
*Check your eligibility with no impact on your credit score. Only once you decide to proceed with a specific finance option will a hard credit check be conducted, which might affect your credit score. Our process ensures that you can find your best rate without any risk to your credit rating during the initial stages of your application.
