If you've had a default on your credit file, you're not alone — and you're not out of options. At Deal4Wheels, we partner with lenders who specialise in car finance for customers with defaults, whether it's recent, active, or partially satisfied.
Start with a soft credit check — won’t impact your scoreWe match you with non-prime lenders open to default historyChoose from Hire Purchase (HP) or PCP finance optionsNo guarantor required for most dealsWe can support: — Active or settled defaults, Missed payments on credit cards, utilities, or previous car finance, Multiple defaults on file and Customers with other credit challenges (e.g. CCJ, IVA)“I had two defaults from 2022 when I lost my job, and I thought finance was off the table. Deal4Wheels helped me get a Ford Kuga on HP with zero deposit and flexible terms. Life-changing!” — Maria S., Birmingham
Financed despite 2 recent defaultsHP with early settlement flexibilityNo deposit & no guarantorPeople recovering from missed paymentsBorrowers with stable income or recent affordability improvementsThose needing to finance a car urgently (work, family, commuting)Interest rates may be higher than for prime customersLenders may require more evidence of affordabilityPCP may be restricted depending on age/value of vehicleWhen you miss payments for an extended period, the creditor can issue a default — typically after 3–6 months of non-payment.
Yes — many of our lenders are happy to fund customers with defaults on file, especially if they’re satisfied or old.
In most cases, no. We’ll explore options based on your income and credit profile first.
Rates vary based on your full credit and affordability profile. Some of our lenders offer competitive APRs even to non-prime customers.
Yes — if you choose a Hire Purchase agreement, you’ll own the vehicle once all payments (including any option-to-purchase fee) are made.