✨ New · AI-Powered Application

Get Approved Quick!

Speak to our AI-powered application and it’ll help you understand any questions along the way.

Representative Example: Hire Purchase agreement, cash price £6,000.00. Customer deposit £0. Total amount of credit £6,000.00. Duration 60 months. Representative APR 12.9%. Fixed interest rate 6.81% per annum. 60 monthly payments of £134.06. Option to purchase fee £1.00. Total amount payable £8,044.60. Total charge for credit £2,044.60. We act as a credit broker, not a lender.

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

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.

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 specialise 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.

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Authorised and regulated by the Financial Conduct Authority (FCA reference 747045)Good Or Bad Car Credit can introduce customers to lenders or finance providers and will receive a commission or fee for the introduction.Good Or Bad Car Credit do not charge the customer for this service. Good or bad car credit is trading name of Cheshire Motor Traders Ltd.Company Number 09360301 : ICO Number ZA189395 : Vat Number 237760392

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