Bad Credit Car Finance Life happens. If you have a poor credit history, missed payments, IVA, CCJs, or defaults — Deal4Wheels can still help. Our FCA-regulated lender panel is designed for real-life affordability, not just credit scores.
Tell us a bit about your credit and incomeRun a soft eligibility check — (No impact on your credit score.)Get matched to a specialist lenderChoose your car and drive awayWe won’t judge your past. Our AI underwriting looks at employment status, income, affordability and more — not just your credit file.
People with CCJs or defaultsAnyone rebuilding their credit scoreSelf-employed or gig workers with irregular incomeApplicants with recent bankruptciesCustomers looking for 0% APR or premium ratesYes — we work with lenders who accept these circumstances.
No. Our soft credit checks have no impact.
Basic income proof, affordability assessment, and ID. No perfect credit needed.
Yes. We look at all income sources.
Many of our bad-credit lenders offer £0 deposit deals.
