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Top 5 cars to get with bad credit

You might think that your poor credit score disqualifies you from getting a car on finance but there are people that can help you. Companies like Refused Car Finance believe that everyone should have access to a car regardless of their credit history. As a specialist bad credit car finance broker, they manage to get 98.4% of applicants approved. The only thing left to do is decide which car to get. Having a bad credit score does limit your options because it affects how much money you can borrow but there are still plenty of high-quality cars on the market for you. Getting a car on finance could actually improve your credit score, so you can use this car as a route to an even better one in the future.

There are so many to choose from but here are five of the best cars to get on finance if you have bad credit. We’ve tried to include a range of types, from SUVs and family cars to seven-seaters and hatchbacks. And we’ve included some example financing options to give you an idea of how much you might have to pay each month. All of these are based on £0 deposit so if you can in fact afford to pay a deposit, you’ll be able to get these cars for an even cheaper monthly fee than our examples show.

Vauxhall Zafira

Around £187 per month

The Vauxhall Zafira is a one of the best 7-seater cars on finance and it’s very affordable. Perfect for larger families and great for transporting pets, it also offers a huge amount of boot space as the 6th and 7th seats can be folded flat. This compact MPV is a fantastic car to get on finance because there are so many great deals available.

Finance example:

Cash price:                   £4,999
Deposit:                        £0
Amount of credit:       £4,999
Monthly repayment:  £187.46

Volkswagen Passat

Around £281 per month

The VW Passat is a large family car with an elegant style and a spacious interior. It comes in hatchback and estate variants, with a range of engines and finishes, so there’s an option for everyone. The Passat is convenient, comfortable, reliable and a fantastic choice for car financing.

Finance example:

Cash price:                    £7,499
Deposit:                         £0
Amount of credit:        £7,499
Monthly repayment:   £281.21

Ford Fiesta

Around £262 per month

The Ford Fiesta has been the UK’s best-selling car for over 10 years, shifting over 77,000 units in 2019. This small family hatchback is cheap to run and fun to drive. It has a wide range of variants from the Fiesta Trend to the high-performance Fiesta ST. There is a reason this car is so popular, why not make it your first financed car?

Finance example:

Cash price:                    £6,999
Deposit:                         £0
Amount of credit:        £6,999
Monthly repayment:   £262.46

VW Up

Around £187 per month

The Volkswagen Up is easy to drive and cheap to run, making it a great choice for your first car.  This fun and agile car is perfect for urban living and comes in a variety of finishes. There’s even an e-Up, an all-electric version with a range of 99 miles. With so many financing options available, the Volkswagen Up is a fantastic car to get on finance.

Finance example:

Cash price:                    £4,999
Deposit:                         £0
Amount of credit:        £4,999
Monthly repayment:   £187.46
 

Dacia Duster

Around £281 per month

The Dacia Duster is a modern and sturdy family SUV with a huge boot and loads of internal space. It’s available in a range of engines and finishes and, for an SUV, it’s incredibly cheap to buy and cheap to run. The Dacia Duster is a perfect option for a family wishing to get a car on finance.

Finance example:

Cash price:                    £7,499
Deposit:                         £0
Amount of credit:        £7,499
Monthly repayment:   £281.21

These are just some of the superb cars that you could get on finance.  If you’ve got a different car in mind, don’t worry, these are just examples – companies like Refused Car Finance work with any reputable dealer that is willing to sell you a car. Even if you do have bad credit, the likelihood is that you will be approved, as long as the car is within your budget and you can afford the monthly repayments.  Guarantor finance, where another person promises to make any payments that you miss, is another great option that opens the door for people with particularly bad credit scores. Don’t let your credit score hold you back any longer, start looking for your perfect car today!

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