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Guaranteed Car Finance

Bad Credit Car Finance

Need a car but can't get credit? We specialise in guaranteed car finance for people who need to buy a car, but who may have poor, limited or no credit history, or a low credit score due to arrears, CCJs etc. If you need a car with no credit checks and an unbeatable acceptance rate, you've come to the right place - We can even accept people with bad credit who have been refused elsewhere. Simply complete the form opposite to apply.

Apply today and arrange to visit one of our many car showrooms around the UK where you can choose from a wide selection of quality vehicles, agree a guaranteed car finance package and drive away your new car the same day!


We always have a wide range of used cars available to drive away the same day from under £37 a week*


Car Finance for People with Bad Credit

Providing that you are permanently employed and have a properly run bank account, we can Guarantee Approval. We can even help you if you have been refused elsewhere because we finance your future, not your past.


“I was turned away by five other garages offering credit for people with bad credit history, but these guys actually did it!”
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With unlimited funds at our disposal and a large stock of quality used cars available to drive away today, no awkward questions to answer, no deposit schemes, a minimum £1,000 part exchange, 7-days free motor insurance, our 136-point safety check and free MOT with every car, you can't find a better deal on guaranteed car finance.

All circumstances considered - CCJs, defaults, arrears, self employed, benefits, limited or no credit history - Whatever your circumstances we can help. Choose from a wide selection of quality used cars from a full range of manufacturers including Audi, BMW, Citröen, Fiat, Ford, Mazda, Peugeot, Renault, Vauxhall & Volkswagen.

When you apply for used car finance with us, you can be sure that no other specialist car finance company works harder to get you the credit approval you need to buy the car you want. Bad credit car finance - Even if you've been refused for car credit elsewhere due to CCJs, poor credit history, disability, self employment or any other reason it doesn't matter to us. This is because we have sole exclusivity with lenders, which makes us the Number 1 for Used Car Finance Approval in the UK. We also know how important it is to stock a wide range of vehicles in order to satisfy the needs of our customers, so whether you need an affordable family saloon, an economical hatchback, a prestige car or a people carrier we will probably have the perfect car for you.

Repayment terms are agreed to suit your budget and all cars undergo a rigorous 136-point pre-delivery safety inspection. We will even arrange a comprehensive mechanical breakdown warranty to ensure that you can always afford to keep your car on the road and enjoy trouble-free motoring for years to come.

45.9% APR Representative

About This Website | Data Protection | The products and services described in this site are available only to residents of England & Wales. The information in this site is not directed at anyone other than residents of England & Wales and applications from others will not be accepted. The information contained in this site may not satisfy the laws of any other country. If you proceed to access the information included in this site, you acknowledge that you have read and agree with the above statement. CR Services Ltd principally introduces business to CLS Finance Ltd (CLSF), both of which share common shareholders. We may receive a commission from CLSF for introducing you as a customer to them. You may request details of commission that we receive prior to entering into a loan agreement. We may introduce business to other unrelated lenders. In order to increase your opportunity of getting credit on the best possible terms we recommend that you apply to other lenders before entering into a loan with us. *REPRESENTATIVE FINANCE EXAMPLE: CASH price £3,900, Deposit Nil, Total Amount of Credit £3,900, 208 weekly payments of £36.49, Total cost of credit £3,689.92, Total payable £7,589.92, Representative APR 45.9%, rate of Interest 38.0% p/a (fixed). We may ask you to agree the value allowed for your part exchange to be applied as a reduction against the cash price of your new vehicle, in which case the Part exchange allowance will be displayed as £1.00. CR Services Ltd, Unit 16, Globe industrial Park, Dukinfield, Cheshire SK16 4RE. Finance subject to status. All vehicles subject to availability. Images are for illustration only. E&OE.