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Car Loans For Bad Credit

Do you need help getting back on the road? Apply to us today for up to £15,000 even if you’ve struggled to get credit in the past. We are a friendly
local lender with branches nationwide.

How much would you like to borrow?

Our quotes won't affect your credit score


Representative Example: Borrowing £3,000 over 24 months at an interest rate of 71.3% p.a. (fixed), you will repay 24 monthly payments of £237.75 per month. Interest Payable £2,706. Total Repayable £5,706. Representative 99.9% APR.

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If you need a new vehicle but have bad credit, car finance may be difficult to obtain. This can put you in a tight spot, so to speak; most adults rely on a vehicle to get to and from work and to visit the people most important to us. A vehicle that has broken down is an issue that needs fixing immediately. The problem? Repairs can be far from cheap, particularly if bodywork or replacement parts are needed.

If you are thinking of buying a new car or simply upgrading your existing one, a loan might be the answer for you.

How it all works

With everyday loans, you're more than just your credit score. Here at everyday we look at your credit future, not just your credit history. As such even if you have bad credit now or you've had a poor credit score in the past, we may be able to help.

There are 3 simple steps to taking out an everyday loans loan. All of our loans are subject to status and affordability.

  • Step 1

    Step 1

    Complete our short
    application form

  • Step 2

    Step 2

    Get an initial decision
    in minutes

  • Step 3

    Step 3

    Pop into your local branch
    to complete your loan

Why choose everyday loans?

  • Applying with us won't affect your credit score. We use Soft Searching Technology which means even if you're unsuccessful; it won't go against your credit file.
  • We offer loans to those with a less than perfect credit score. You'll need to be over 18, a UK resident and be able to afford repayments.
  • We're a direct lender not a broker. We'll NEVER charge you a fee to consider your application.
  • We'll give you a conditional decision in just minutes.
  • You can borrow from £1,000 up to £15,000 over a minimum term of 18 months up to 60 months, for almost any purpose. Loans not for business, gambling or illegal purposes. Maximum APR 299%
Start Your Application

Investing in a new vehicle is indeed an exciting time if it weren’t for the cost! Everyday Loans can help provide the boost to your short-term finances you need to get on the road in your new vehicle of choice.

Taking a personal loan from a trusted provider like us is something many across Britain have done. It can be more challenging, though, if your credit rating is poor. Many adults struggle with the difficulties this can bring. Since the credit crunch especially, some people have found it more difficult to obtain the finance they need, particularly if they have a bad credit score.

So, if you need to replace your car and you think you might struggle to get dealer finance for it, a car loan for bad credit from a specialist bad credit lender like Everyday Loans could be the answer. We are here to consider applications from adults across the country who have a bad credit rating at the moment. We know that your needs are legitimate and it’s our mission to offer support when it is needed most.

With your finances secured, you could be free to purchase your new vehicle or repair and service your current one. Repaying your loan from Everyday Loans could also improve your credit score, helping to build towards a future where more options are available to you financially.

That’s what we are here for. To help you when you are in need and to make your short-term requirements easier to manage. You have enough going on in life without being refused by difficult lenders! Why not apply now to see if we can help get you into the car you've always wanted.

Everything you need to know about car loans

That new set of wheels is a well-deserved investment, and for many adults is a simple necessity in life. Taking a loan to purchase or repair a vehicle is a must-have, and many adults find their employment and other obligations resting upon securing credit to make the investment. Even if your credit score isn’t as perfect as other people’s, we’re here to help where other lenders wouldn’t.

  • Q1: Is my score going to change when I apply

    In some cases, with other providers, you will get a mark on your credit score that shows you made an application. This can put you in a tough spot if you get refused a number of times, as it can seem to a lender that you badly need finances but have been turned down by similar institutions. The good news where Everyday Loans is concerned is that this won’t happen when you apply with us. This is because we use unique Soft Search technology which won’t make a mark on your score, regardless of whether you are accepted or not.

  • Q2: Can you explain to me what APR means?

    Sure. It stands in full for annual percentage rate. It’s nothing overly complex; it just refers to the total repayment amount for your car loan. It’s a little more complicated than just, say, a ten percent repayment on a £10,000 loan because compound interest is involved.

    As we know this can be a somewhat complicated subject to explain and quantify for each individual loan we offer, we’ve made sure that our advisors at each Everyday Loans branch are capable of breaking it down with minimal jargon. Less hassle helps and makes it easier to secure your loan for your car.

  • Q3: Will my credit score go up when I take a loan?

    It might do, but this isn’t as a result of just being accepted for a loan. As we touched on before, a credit score is basically an indicator of how financially responsible you have been in the past. Lenders use this to get an idea of how likely you are to safely make repayments in future. The good news? If you do make your repayments and complete your car loan on time, you will see an increase. This can benefit you in future in other situations where a credit check is needed.

  • Q4: Is it OK to use an Everyday Loans loan for a car?

    Absolutely! We cater specifically for people with poorer credit scores and our excellent loans are perfectly fine for obtaining credit to pay for a car or to repair one, particularly if you’ve found it hard to find a loan elsewhere.

Our Process FAQs

Here we’ll put some more information for your perusal on how the loans process works with us. What you should always keep in mind is that it’s our number one priority for the application process for a loan for a car to be quick and easy for anyone to go through, so don’t worry about a lengthy or intimidating application – that’s not us at all.

  • Q1: Is my application going to be slow?

    Our process is quick, easy and efficient. The first step is making your online application, after which you’ll (if accepted at this stage) receive a conditional approval. After this, it’s over to your local Everyday Loans branch. It’s here that an advisor will get in touch and arrange a meeting with you, where you’ll go over the fine details of your car loan such as the total repayments and fine print. Once that’s all handled, and the loan confirmed, the money will be sent to your account quickly. That’s it!

  • Q2: What are the requirements?

    We need you to have employment. We also need to see evidence of a UK bank account owned by you, as well as UK citizenship. That’s it! While our assessment involves a look at your credit score, we are a direct lender and the only hard requirements we have are the above ones.

  • Q3: What if I need more funds?

    We do offer ‘top-ups’ on your car loan, but these aren’t available from day one. We need to see that you’ve been making repayments reliably. If that’s the case, it’s a matter of talking to your local branch advisor to work out if you are eligible and how much you need.

  • Q4: Are you direct lenders?

    We are indeed. The HQ of Everyday Loans is situated right in the middle of Bourne End, which is a part of Buckinghamshire.