Bad credit car loans with bad credit histories

Getting a car loan even if you've got a history

We have been specialising in bad credit car loans for 20 years and have given them to over 130,000 customers with a history of poor credit.

Getting a car loan when you've previously been classed as a ‘bad credit’ customer can be difficult and frustrating, we try our hardest to minimise these difficulties and frustrations.

Representative 38.9% APR, First Response Finance

Having past credit issues shouldn’t stop you getting a car loan, or at least being given a chance to prove yourself as a loyal and good customer. At First Response Finance we give customers this opportunity. Read why we're one of the best car finance providers.

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Take care of your finance - First Response

There are a number of reasons that you may have previously been classed as ‘bad credit’ such as:

  • never taken out a loan before (always paid cash)
  • shared credit files where the other person had issues
  • unknowingly making bad decisions

Not having a history

Not having a history of loans actually gives you a negative rating as there is no history of your spending or debt. 

Unfortunately, this will mean you’re also classed as high risk as companies have no way of knowing if you’re good at paying money back.  It is likely that you will have to pay a higher APR on any credit you get, including car loans, until you get a good level of credit history.

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Shared credit files

Coins being poured into a pile

Another reason for previously being classed as a ‘bad credit’ customer is through previous difficulties with shared credit files. This often occurs when couples, partners or friends take out credit together.

Building your credit back up could take time but, thanks to bad credit car loans, it doesn’t have to be impossible and we may be able to help you.

Lack of knowledge

At First Response Finance we often see applications from customers who have a bad credit history due to their lack of knowledge of how past decisions would affect their credit file.

If you’ve taken steps to improve and repair your credit file by paying current bills and contracts on time we’ll see that as an attempt to get things back on track.

A bad credit car loan could help you repair your credit rating and prove that you’re a good customer; however, due to your history and risk rating you may have to pay a higher APR.

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Our experience

First Response Finance are the number 1 car loan company on Review Centre, as voted by customers. This title shows we take the time to understand you as a customer when it comes to getting a bad credit car loan.

We know that your current loan situation may not be entirely your fault and we will try our best to understand your situation by speaking to you directly.

We speak to the majority of our customers in order to assess their current situation and their ability to pay back a bad credit loan in manageable monthly installments. This process of talking to customers means  you’re likely to have a higher chance of being accepted.

Please note: some customers are automatically refused.

Bad credit car loan with First Response


We have a fantastic bad credit car loan calculator where you can input your credit rating, loan amount and length of the loan in order to give you an instant monthly repayment estimate.

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Hire Purchase Pros & Cons

  • Simple to arrange
  • Fixed monthly payments
  • Fixed interest rates
  • Flexible term lengths 18-60 months
  • Vehicle belongs to you after final payment
  • Deposits not required
  • No annual mileage restrictions
  • You are protected under the Consumer Rights Act 2015
  • The vehicle is at risk of repossession if you do not keep up repayments
  • You do not own the vehicle until your final payment
  • Hire Purchase is not suitable if you plan on paying off your loan within 6 months
  • Loans are subject to status and not guaranteed

Learn more about our Hire Purchase loan or view the full detailed process of our loan application.

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If you have any questions regarding loan products, debt or budgeting you can source independent advice from either of the below sites.

Money Advice Service

Citizen Advice Bureau

Data taken from Review Centre and correct as of 12/02/2018

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