Applying for car finance with bad credit

Bad Credit Car Finance in Essex

At LMC, we want all of our customers to be able to get behind the wheel of a car they love, which is why we offer car finance in Essex to help to make that possible. To obtain a finance agreement, a credit check will be needed, so if you are worried about your credit score, we have answered some commonly asked questions here.

Can I get car finance with bad credit?

We understand that credit ratings are constantly fluctuating and yours might not be perfect right now, particularly if you have encountered CCJs, arrears and missed or late payments, but we believe that this shouldn’t stop you from securing a car finance agreement.

LMC works with a wide range of lenders, including those who specialise in creating bad credit car finance deals and could accept you even if you have been refused elsewhere.

Can I get car finance with no credit history?

If you have never had a credit card, rented or taken out a loan, there is no record that finance providers can use to determine whether or not you are a reliable borrower which could make it harder to get approved.

Fortunately, our panel of lenders have been able to secure bad credit car finance in Essex for hundreds of LMC customers, so even if your credit history is not detailed, you may still be eligible.

Why choose LMC for bad credit car finance in Essex?

LMC offers bad credit car finance in Essex because we genuinely care about helping our customers find their dream car and it is our aim to make that dream achievable. With our lenders, we will strive to secure a manageable agreement whether you have good credit, bad credit or no credit, making the process as seamless and hassle-free as possible.

How do I apply for bad credit car finance in Essex?

You can apply for bad credit car finance in Essex the same way as you would normally: find a car, click “”Apply for Finance’ and from there, we will tailor your experience, taking your credit situation into account.