Bad Credit


We may still be able to help
In many cases, a good credit rating is essential to get a competitive, affordable deal on car finance. This is especially true of personal loans. However, we know and understand that not every driver has the perfect credit score. At BMC Used Cars, you have more options and flexibility when considering an Approved Used vehicle on finance.

If you would like to meet with our team to talk through your car finance options, please make sure you have your employer details and bank details with you. We also suggest researching different makes and models to get a better idea of the right vehicle for your circumstances.

Bad credit
A low or unfavourable credit score does not automatically rule you out of car ownership. There are finance plans and options which are more suited for those with perceived ‘bad’ credit.

By taking the personal approach, the team at BMC Cars helps more people to enjoy access to finance on the vehicle they want. We welcome all new customers to our dealerships and provide tailored service. Regardless of your credit history, we will evaluate your car finance application based on your situation right now.

No credit
It may be the case that you have no credit score at all. This could be for a number of reasons. People who have never needed to apply for a credit card, loan, or other type of credit have no credit history, and therefore no score. As such, those with good finances may struggle to get credit simply because their recorded history is blank.

Some other finance providers will automatically reject applicants if they have no credit score. We always look at car finance applications on a case-by-case basis, taking your actual circumstances into account.