The Car Loan Centre

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No Credit Scoring Car Finance

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Have you been looking for No Credit Score Car Finance?

We can help you with our specialist car finance designed with bad credit applicants in mind – apply today!

It only takes 2 minutes!

Looking for Cars for Sale with No Credit Checks?

Having a poor credit history can be a struggle, especially as many lenders will not be able to offer you finance to buy a new car. Here at The Car Loan Centre, we understand your frustration, especially when your finances are under control and you have plenty of affordability. We believe you shouldn’t have to worry about your financial history if your current circumstances mean you have the income and ability to make repayments. That’s why we can offer car finance without credit scoring, meaning you can get the car you want with manageable repayments even if you have a poor or bad credit history, as part of our application, we do perform a credit check (or credit search) although this is not the basis of our lending decision. If you’ve found it difficult to get approved elsewhere for a loan or car finance, it can often mean a lender has seen your credit score and it has not matched their requirements. Rather than this automated decision-making process, we take the time to assess your application based on your current circumstances.

We can proudly say “YES” when others have said “NO” due to bad credit.

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At The Car Loan Centre, we want to help as many people as possible, that is why our lending criteria is much broader than you’ll find with other lenders. Maybe you’ve had arrears payments in the past, or have even defaulted a loan or credit card and have a CCJ registered. These situations can put a heavy strain on your credit history, meaning many lenders will not be able to take your application any further than the initial stages. The frustration for many people is this may not reflect your current situations and might just be a result of previous actions that no longer represent your affordability. That’s why we take a human approach, not using automated decisions to determine if we can offer you finance. Our no credit scoring car loans are perfect if any of the above sounds like you and you need a car straight away. Click apply now or request a callbackrequest a callback to discuss your requirements!

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Full Range

Car Finance without Credit Scoring

We want to help even if you have bad credit, so there is a very good chance we could help if you can afford the loan amount you want. The Car Loan Centre is a trusted lender and we are regulated by the Financial Conduct Authority (FCA), ensuring the necessary guidelines are met. We will perform a credit search with your permission, however, the difference between us and other lenders is that this is not the basis of our decision process. We do not use your credit score at all and the final decision is based on you and your affordability. If you have the ability to pay and your current circumstances reflect this, we are here to help.

You will need to make sure you can meet the following guidelines to be able to apply for finance on our no credit score car finance.

  • Be Aged 18 Years or Over
  • Have a Valid UK/EU Full Driving Licence
  • Be a Current UK Resident
  • Be Currently Employed/Self-Employed
  • Or be Unemployed with a regular source of income such as Benefits/Universal credit

Our wide criteria mean we can help where many others cannot, and not just with specialist car finance as we can also provide Logbook Loans. Find out more today by requesting a callbackrequesting a callback or filling in an application to apply now. If you have any other queries or questions, please do get in touch today.

In short, a Credit Score is a numerical value assigned to you based on data from your credit file and is used by most lenders to determine your “credit risk” for your application. A Credit Check also known as a Credit Search displays your credit history including credit cards, loans, mortgages, and finance agreements.

As a lender, we do not use your Credit Score at all to make our lending decision. Instead we consider your affordability, your current circumstances and your ability to pay. As part of your application we will perform a Credit Check, we will always ask your permission to carry out the Credit Check. We cannot offer car finance without a Credit Check and as it is a standard part of our application process, we would not be able to fully assess your application if you are unwilling to have a search carried out. However, we do not solely base our decision on this information.

As mentioned above, we can help by offering No Credit Scoring Finance, but we do perform a credit check. You can find our full available vehicle stock online. We have some fantastic cars available that in many instances people who have been approved have driven away with the vehicle on the same day. We have many kinds of vehicle to match your specific needs, so if you’ve got a model in mind, be sure to browse and contact us to find out more.

We are happy to provide car loans without credit scoring even without a guarantor. If you want to apply for a joint application you can, but we do not require you to have someone co-sign your agreement. You may have been declined elsewhere due to having bad credit and not being able to provide a sufficient guarantor. Whilst we cannot offer car loans without a credit check, we work differently in that we can still help you get the finance you want without the inconvenience of asking a friend or family member to help.

We have customers from all over the UK, so we are happy to help you no matter where you are. We have centres in Essex and Manchester if you wish to collect your new vehicle and our nationwide delivery can reach all over the country (fees may apply) if you wish to have it delivered to your home or work address. However you want to get your new car, we can accommodate your circumstances.

To begin your journey towards no credit scoring car finance!

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.