Car finance tailored to your requirements


Finance accepted in minutes


Reputable dealer network


Drive your new car away

Bad credit car finance

  • Bad credit experts
  • CCJs, defaults​ or arrears
  • ​No deposi​t required
Even if you have a poor credit score there is still a possibility of being approved for car finance.

Working with the UK’s top lenders we are able to compare the market to find the best bad credit finance deals.

Ready to use our friendly car loan calculator?

APR Representative %
Monthly Payments. We will search for the best finance rate for you!
APR Representative %
Paid over Monthly Payments. We will search for the best finance rate for you!.

Questions Answered

If you have been refused elsewhere for bad or poor credit, there is a high possibility that we can still be of some help. Most of our lenders are specialised when it comes to helping those who have bad credit.

As long as your finance has been approved by BuggyDough, you can freely choose any vehicle from reputable dealerships within the UK. This just simply means that you have countless options to find your perfect dream vehicle.

Even though a deposit isn’t really necessary, we can also receive a down payment which is that of cash or part-exchange. These will in turn reduce your total that you are currently seeking to borrow.

In the case of fair credit, there are many possibilities which exist and you can be approved for financing. We offer numerous options for those who currently have fair credit.

We work with the best lenders in the market as we aim to finance your new car. We serve you by finding the most affordable car loan to meet your needs. We know and understand that since no two customers are the same, your individual situations aren’t the same so we work hard to find the best deal for you. As a result of more choices and more lenders, this is the reason we can find the best option to suit a wide range of customers, irrespective of good or bad credit score.Our finance calculator is a highly developed and accurate tool. It provides an easy and quick way to assess just how much cheaper our car loan can be. It works by simply entering the desired amount that you wish to borrow and the repayment period that you would like to take, the calculator will then give you an estimate of the repayments which are based on your current credit.If you changed the desired amount to be borrowed, you can get an estimated repayment based on a new monthly rate. This simply means that the calculator can be edited until your estimated monthly repayable amount is to your liking. If you already have a target amount in mind, the loan can be amended for a suitable period until your monthly budget has been achieved.As we previously mentioned, we know and understand that no two customers are faced with the same situations in life. As such, we intend to dive a bit deeper as we get to know you so that we can individually give you the most accurate quote which has been designed with only you in mind. As long as you have completed your application – which can be completed in as little as just a few seconds. Use our calculator today and receive your quote which is free of any obligation to us, and will not impact on your credit score!

Representative example

Representative example: borrowing £7,500 over 4 years with a representative APR of 25.4%, an annual interest rate of 25.4% (Fixed) and a deposit of £0.00, the amount payable would be £239.77per month, with a total cost of credit of £4,008.96 and a total amount payable of £11,508.96

Rates may differ as they are dependent on individual circumstances. Subject to status.