Apply For Car Finance With A Low Credit Score

Do you have a low credit score? You can still access the best car loan for low credit score drivers.

What is a low credit score?

A low credit score is not the same as a bad credit score in some ways. A low credit score does not always reflect having missed repayments or fallen into debt - it can mean that you simply do not have a robust credit history for lenders to look into. For example, even if you have a credit card, if the amount of credit is low, this could still contribute to a relatively low credit score rating.

Why is it hard to get vehicle finance for low credit score applicants?

Low credit scores can reflect on the applicant similarly to bad credit. If you do not have a strong history of making reliable repayments, then the lender will have no way of being sure you can pay off your vehicle. Many do not approve low credit score car loans.

Can you buy a car with low credit scores?

It is possible to improve your chances of being approved for finance options with a low credit score. You should start by exploring your options when it comes to finance and finding cars for low credit score budgets. You should also check the affordability of the repayments and check your eligibility before applying. This can increase your chances of avoiding a refusal.

Car finance with no credit history

In some cases, a credit score is not just low - it can be non-existent. This is mostly the case with young drivers who have not had the time to build up a credit score. However, it can also be the case for those who have moved from overseas and do not have a UK based credit history.

How Autozone can help with low credit score auto loans

If you are concerned about having a low credit score, or no credit score at all, then get in touch with us. At Autozone, we are experienced in providing finance options to suit all kinds of different drivers. We can help you to explore your options further, including no credit history, car loans and low credit score car finance.

Representative APR See Above Examples

The Representative Finance Examples shown are for illustrative purposes only. Rates, fees and monthly payments are subject to each individual credit profile.

*Fees are already accounted for within the payments displayed and are included within the total amount payable.

Finance is available to UK residents aged 18 years or older, subject to status. Terms & Conditions apply. Indemnities may be required. Other finance offers may be available but cannot be used in conjunction with this offer. We work with several carefully selected credit providers who may be able to offer you finance for your purchase, commission may be received. We are only able to offer finance products from these providers. Postal Address: Autozone UK Ltd, Hilltop Garage, Doncaster Road, Barnsley, South Yorkshire S70 3RD. Find contact details here.