Best bad credit car finance deals

Don't let a poor credit rating get you down. Take a look at out car finance deals aimed at people with bad credit

John Evans
Jul 15, 2019

Often a poor credit score can spell the end of your new car dreams – but that needn't be the case. We’ve combed BuyaCar’s extensive stocks of used cars to find 10 of the best models available from well under £200 per month (assuming a poor credit record, a zero deposit and a finance term of 48 or 60 months), representing the most popular categories of car.

There’s no special secret to it. Find a used car that suits your needs using our filters, click on it and go to the foot of the page where you’ll find our budget calculator that'll give you an indication of how much each car could cost per month.

In ‘Finance type’ choose hire purchase - this means you pay a little more each month but automatically own the car outright once you've made all the payments, without a big final bill, as with PCP. This is because lenders looks more favourably on this form of financing for people with a poor credit score.

Note that your monthly payments may be adjusted to reflect your specific circumstances and be prepared that your credit score could be too low to get approval for finance. And remember to only borrow what you feel you can afford, taking into account your existing financial commitments. However, set your sights at a realistic level and you could get far more car for your money than you expect. Keep reading for our roundup of the best bad credit finance deals.

Your credit score reflects personal and financial information about you gathered by credit reference agencies. It’s used by finance companies to help determine what sort of lending risk you represent.

It reflects your borrowing record that includes how many loans you have and whether you’ve missed any repayments, the number of credit card and bank accounts you have, and even whether you’re financially linked to someone with a poor credit record.

Finally, it’s worth knowing that there are steps you can take to improve your credit score. They include:

  • Reviewing your personal and financial situation, closing dormant accounts and surplus credit cards, paying off any existing loans, terminating unnecessary contracts where allowed and paying off any overdrafts.
  • Contacting the major credit reference agencies (Experian, Equifax and TransUnion) and check your credit record for errors, attaching notes clarifying your position.
  • When applying for a loan, have your financial details at your fingertips, so you’re prepared to answer questions promptly and accurately.
  • If you’re a young person applying for a loan on a low-value car will boost your chances of getting the finance you need.

For more information check out whether your credit score is good enough to finance a car and our guide to how to maximise your chances of being approved for car finance.

Now here are those 10 great affordable cars for people with a poor credit score on hire purchase with no deposit:

      

1. VW Up

Typical example 
2015 VW Move Up 3 door, 40,000 miles
Cash price £4,995
Credit score Poor
Finance HP
Deposit £0
48 monthly repayments of £151

With their cheeky looks, spacious interiors for their size, easy parking and low road tax, city cars are all the rage. The VW Up is one of the best, and adds agile handling and a smooth ride, solid build quality and a decent-sized boot to that list of attributes. 
VW Up buying guide

 

2. Ford Fiesta

Typical example 
2016 Ford Fiesta Zetec 1.0 EcoBoost 100 5 door, 60,000 miles
Cash price £6,480
Credit score Poor
Finance HP
Deposit £0
48 monthly repayments of £194

The Ford Fiesta is the supermini benchmark. A VW Polo may feel more grown-up and a Vauxhall Corsa is certainly popular and available at low prices, but no rival is as complete as the Fiesta. The cabin could be a bit roomier in the back but otherwise it’s a joy to drive and, in Zetec trim, well equipped. The 1.0 EcoBoost engine is as eager as puppy, too.
Ford Fiesta buying guide

 

3. Ford Focus

Typical example 
2016 Ford Focus Zetec 1.0 EcoBoost 100 5 door, 60,000 miles
Cash price £6,480
Credit score Poor
Finance HP
Deposit £0
48 monthly repayments of £189

Like the Fiesta, the larger Focus hatchback is a great all-rounder. Yes, it lacks the refinement and maturity of the more expensive Volkswagen Golf but it’s more fun to drive than the slightly boring Vauxhall Astra. It’s a well-developed model that’s also well built and comfortable. We’d prefer our example to have the more powerful 1.0 EcoBoost 125 engine but you can't have everything.
Ford Focus buying guide

 

4. BMW 3 Series

Typical example 
2014 BMW 320d SE, 63,000 miles
Cash price £9,990
Credit score Poor
Finance HP
Deposit £0
60 monthly repayments of £256

The BMW 3 Series is one of the most complete and satisfying cars you can buy and in this 2.0-litre diesel form, powerful, smooth and economical into the bargain. All that said, it has its limitations. It’s a saloon rather than a more practical hatchback for a start, and the rear seats is made a little cramped for a centre passenger by the presence of a bulky transmission tunnel. Otherwise, it’s a fine car that will always be easy to resell.
BMW 3 Series buying guide

 

5. Renault Captur

Typical example 
2015 Renault Captur 1.5 dCi Dynamique Media Nav, 60,000 miles
Cash price £6,495
Credit score Poor
Finance HP
Deposit £0
48 monthly repayments of £195

The Captur was an instant hit when it came out in 2013, with drivers drawn to it by its smart styling, raised SUV driving position but car-like handling and good equipment levels. It’s not the last word in driving fun and the interior quality leaves a little to be desired, but it is smooth and its looks will delight you every time you return to it.
Renault Captur buying guide

       

6. Nissan Qashqai

Nissan Qashqai Visia

Typical example 
2014 Nissan Qashqai 1.5 dCi Visia, 47,000 miles
Cash price £8,399
Credit score Poor
Finance HP
Deposit £0
48 monthly repayments of £250

The car that created the present-day fashion for family SUVs is still among the best thanks to its blend of good looks, improved interior over the previous generation, and smooth and quiet ride. Later rivals are more polished and some have more rear interior space but the Qashqai is more recognisable and when it comes to family SUVs, as good as legal tender, meaning you should get plenty back when you come to sell or trade it in.
Nissan Qashqai buying guide

7. Vauxhall Astra GTC

Typical example 
2015 Vauxhall Astra GTC 1.4T Sport, 30,000 miles
Cash price £6,445
Credit score Poor
Finance HP
Deposit £0
48 monthly repayments of £193 

The regular Vauxhall Astra hatchback was decent enough but couldn't hold a candle to this GTC coupe version with its great looks, composed ride and agile handling. It looks quite bulky at the rear and visibility is poor, though, making parking sensors an essential requirement. 

Vauxhall Astra GTC deals

8. Suzuki Swift Sport

Typical example 
2015 Suzuki Swift 1.6 Sport Nav 3 door, 33,000 miles
Cash price £7,449
Credit score Poor
Finance HP
Deposit £0
48 monthly repayments of £224

A warm rather than a hot hatch is the most accurate description of the Swift Sport - with plenty of power to make it fun, without being fast enough to worry about being caught speeding all the time. Still, you’ll love its eager, non-turbocharged engine which offers more and more power the harder you work it - unlike most turbocharged equivalents - and its sharp, precise steering. It’s a tall car so headroom will never be an issue but for all that, it goes around corners brilliantly without leaning excessively. Add a good equipment level that includes a digital radio and sat-nav and what’s not to like?
Suzuki Swift buying guide

Suzuki Swift Sport deals

9. Skoda Octavia 1.6 TDI SE

Typical example 
2015 Skoda Octavia 1.6 TDI SE, 55,000 miles
Cash price £8,799
Credit score Poor
Finance HP
Deposit £0
60 monthly repayments of £226

The Skoda Octavia hatchback is already roomy, especially in the rear but add the estate body and you’ll wonder how you ever managed without one before. But not only is it roomy and practical, it also handles tidily and this 1.6 TDI diesel engine is strong enough and economical, if not the smoothest around.
Skoda Octavia buying guide

10. Citroen Grand C4 Picasso 1.6 HDi Exclusive

Typical example 
2014 Citroen Grand C4 Picasso 1.6 HDi Exclusive, 68,000 miles
Cash price £7,890
Credit score Poor
Finance HP
Deposit £0
48 monthly repayments of £235

The appeal of this seven-seat people carrier is how it manages to inject fun and adventure into what is essentially a practicality-focused vehicle. The interior is light and airy and filled with smart storage ideas, and the dashboard is radical looking but well laid out. It’s a comfortable car so don't expect any driving thrills. Instead, with everybody aboard, just sit back and enjoy the ride – and the view. 
Citroen Grand C4 Picasso 1.6 HDi Exclusive

               

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