Get Approved Today, Drive Away Tommorow!
Your credit score shouldn’t stop you from getting the car you deserve. We work with all credit types!
- Quick Approval Process
- Secure Application
- Competitive Rates
Simple Application Process
Get approved in as little as 48 hours!
- Quick Approval Process
2 – 3 Minutes Online Form
- Instant Decision
Instant Response
- Documents
Upload required docs
- Approval
Final Verification
- Choose Car
Final Verification
- Drive Away
Time to hit the road!
Why Choose Good or Bad Car Credit?
Get approved in as little as 48 hours!
- All Credit Types Welcome
Whether your credit is excellent or needs work, we have financing options for you.
- Quick Approval Process
Get pre-approved in minutes, not days. Our process is fast and efficient.
- Large Vehicle Selection
Choose from hundreds of quality vehicles that fit your budget and lifestyle.
- Competitive Rates
We work with multiple lenders to get you the best possible financing terms.
Apply for Finance
Complete your free finance application now – it only takes 2 minutes
- £1200+ Monthly Income
- Employed Full/Part Time
- Full UK Licence
Trusted by Thousands of Happy Customers
- FCA Regulated
- 5-Star Rated
"Despite my concerns about my credit history, they helped me get approved with a great rate!"
Sarah Thompson
Manchester
"Quick and easy process. Had my car within a week of applying. Excellent service!"
James Wilson
Birmingham
"Very professional and helpful throughout. Made car financing stress-free."
Emma Davis
Leeds
Frequently Asked Questions
Everything you need to know about our car finance process
We work with all credit types. While a higher credit score may offer better rates, we specialize in helping customers with various credit situations get approved for car finance.
You’ll need: Valid UK driving license, proof of address (utility bill/bank statement from last 3 months), proof of income (payslips/bank statements), and employment details.
Initial decisions are typically made within minutes. Full approval can be completed within 24-48 hours once all required documentation is provided.
We require a minimum monthly income of £1,200. This can be from employment, self-employment, or a combination of regular income sources.
Initial pre-qualification checks won’t affect your credit score. A full credit check will only be performed with your permission when proceeding with a formal application.