Finance options for every credit profile.

Whether you have past CCJs, defaults, or a thin credit file, our panel includes specialist lenders who consider your current affordability and employment status. Checking your eligibility initially involves a soft credit search, which will not affect your credit score.

Check my eligibility → Estimate a payment

Important Information: Taking out additional credit may not be suitable if you are experiencing financial difficulty. Consider whether the repayments are affordable throughout the agreement before proceeding. Free and impartial debt advice is available at moneyhelper.org.uk.

We work with real life

Circumstances our panel can consider.

CCJs & defaults

Some lenders on our panel may consider applications from customers with CCJs or defaults, including relatively recent adverse credit. Approval is not guaranteed and is subject to the lender's assessment and affordability checks.

Thin or new credit files

If it is your first car, you are new to the UK, or you have simply never borrowed, lenders can assess your current regular income and bank statements.

Self-employed income

Contractors, sole traders and gig workers are considered. Lenders evaluate verified bank statements rather than demanding traditional employer payslips.

Past bankruptcy or IVA

If you have been discharged, several specialist lenders on our panel can review your application based on current financial stability.

Previously declined

If you have been declined elsewhere, our specialist lender panel offers a range of criteria and may still be able to help, subject to affordability and credit checks.

Managing your agreement

Making regular, on-time repayments demonstrates responsible borrowing over time, while missing payments will harm your credit record and make obtaining future credit more difficult.

No fake promises

What we will not do

We believe in straight answers and transparent broking. You will never find false promises or misleading claims on our platform.

No guaranteed approval bait. Nobody can guarantee credit approval, as all lending decisions are subject to status, credit checks and affordability assessments.
No hidden fees. Our broking service is free to apply with zero upfront broker fees.
Initial soft search. Checking your eligibility initially involves a soft search that will not affect your credit score. A hard search is only recorded if you proceed with a formal offer.
No pressure calls. Your quotes are provided with no obligation, allowing you to review terms in your own time.

0impact on your credit score to check

Find out where
you actually stand.

It takes around 60 seconds, involves an initial soft search, and you get an honest answer with no obligation.

Check my eligibility →