The Car Loan Centre

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Bad Credit Car Loans

Woman sitting on chair with laptop thinking about bad credit loansWoman sitting on chair with laptop thinking about bad credit loans

3 Easy Steps to Bad Credit Car Loans Online

Apply Online

Easily fill out our online form for a bad credit car loan and we will do the rest.

Get Approved

We review every bad credit car loan applicant individually and we can help you too. We do not use your credit score, meaning bad credit is welcomed!

Drive Away

We will provide you with a quick turnaround, so once approved you can select your Collection/Delivery date and start enjoying your new car.

Happy couple standing in car showroom approved for a bad credit car loan

Apply for Bad Credit Car Loans Through Us Today!

At the Car Loan Centre, we understand not everyone will have a perfect credit score and may have struggled to get loan approval elsewhere. That is why we are happy to review your finances as an individual, and not by your credit score. Many lenders will provide an automated response, often a declined one if your credit score is not up to a lenders’ standard when processing your application. That is where we work differently, and we are proud to do so. You may have a history of bad credit that isn’t necessarily your fault. Maybe you were made redundant having your income decrease, causing missed repayments on your past financial commitments. Or maybe you’re self-employed, having no fixed income amount each month, meaning it’s difficult to prove your cash flow. Whether you have a history of arrears on repayments, defaults or CCJs against your name, or even if you currently do not work and are looking for benefits loans, we can help you.

We look at your application on an individual basis, making a decision based on what you can afford to pay. You may have bad credit due to your finances in the past or present, but if you can afford the loan and the repayments, we could provide you with approval.

How Do Your Bad Credit Car Loans Work?

There could be many reasons why you may require our help with bad credit car loans online, our specialist finance is based on your affordability and for use with our own stock of high-quality vehicles. Some of our customers have contacted us for a bad credit car loan and driven away on the same day! Even if you have a bad credit score, we could still provide you with the funding you need for a great new car.

How Can I Be Eligible for Bad Credit Car Loans Online?

As mentioned, we do not rely on your credit score, allowing us to help many more people than some other lenders. However, we do still have some minimum requirements you will need to meet to apply through The Car Loan Centre. These are:

  • You must be at least 18 years old
  • You’re a current UK resident
  • You must not be currently Bankrupt
  • You can prove your affordability

If you currently have bad credit and can meet these requirements, request a callbackrequest a callback to discuss further or apply now.

Bad Credit Car Loans No Guarantor

When you compare car loans for bad credit online, you may have found many lenders who will offer to help bad credit applicants. However, many require you to have a guarantor as part of your application. This is because many lenders will need at least one person on the application to have a good credit score to be able to look at approving the loan amount. If you have experienced this when looking for bad credit car loans online and couldn’t go ahead due to not having a guarantor, that’s where we can work differently.

We offer no guarantor car finance for bad credit car loans through us, however, if you do want to make a joint application you can. The great aspect of our bad credit car loans is that as long as you are not currently bankrupt and have the affordability to make repayments, we are in a very good position to say ‘YES’ to your application.

Bad Credit Car Loan FAQs...

Yes, if you have bad credit we do more than just provide great value bad credit car loans – as we provide the vehicles and the finance. This is especially helpful for those applicants who are looking for a bad credit car loan, as you have the convenience of buying a car directly through us. This will save you time as you can sort out both the car buying and the loan application solely through The Car Loan Centre. Unlike many car dealerships, we can provide bad credit options to help you. If you’d like to see our current range of vehicles, you can view our cars here.

No lender can offer ‘guaranteed’ approval on a loan, including us. What we can guarantee is that we will not turn your application away just because you have a bad credit score. If you have the proven affordability to make repayments and meet our eligibility criteria, we could help. Either request a callbackrequest a callback or click apply now to see how we can help you today.

As we do not base our lending criteria on your credit score and history, if you have been made bankrupt in the past we can help. As long as your bankruptcy has been discharged or you are currently not in the process of becoming bankrupt, we can still consider your application for bad credit car loans. If you need more information before applying for a bad credit car loan through us or are unsure due to previously being bankrupt, please contact us or request a callbackrequest a callback today.

Speak to one of our friendly team to begin your new car journey!

Request A Callback

But Why Wait?

Our new FAST TRACK  form gives you an Agreement in Principle* Immediately

ATTENTION: We have been made aware that one of our company names (Asset Exchange Holdings Limited), registered address and company number have been used by websites such as and These websites are nothing to do with our group, and our details are being used fraudulently. Please do not access these sites, enter any information on them or use them to pay for any goods or services, as there is a risk that you could be defrauded. The Company, its Directors and Shareholders cannot be held responsible for any loss suffered due to the use of these websites, or the purchase of products and / or services through said websites.

We are working with all relevant bodies, including law enforcement authorities, to resolve this matter.

The Car Loan Centre is a trading style of The Asset Exchange Ltd. The Asset Exchange Ltd is authorised and regulated by the Financial Conduct Authority, firm reference 729827. Registered Address: The Car Loan Centre, 77 Wollaston Way, Burnt Mills Industrial Estate, Basildon, Essex, SS13 1DJ, registered company no: 08679485.

We are a lender, and not a broker, and operate with a flat interest rate for all customers. We pay our sales team a flat rate of commission for vehicles sold, and this does not affect the terms of your agreement, nor is it affected by your choice of vehicle or the terms of your finance. We may receive commission from other third parties as a fixed fee or fixed % of commission to us for introducing you to their services with your consent. If you elect to purchase one of these 3rd party products/services we may pay our sales person an additional commission for this, For example if you choose to take an extended warranty. If you would like a breakdown of all third parties who may pay us a commission in certain circumstances this can be provided on request.