• You are a UK resident for at least 3 years.
• You have a full UK Driving Licence.
• You are not living on barracks.
• Your income (benefits are accepted) is over £1000 and paid directly into a UK bank account.
• You are able to provide 2 months consecutive pay slips or if self-employed, 3 months consecutive bank statements.
• You are over 18 years of age
• You are not in an active bankruptcy or debt relief order.

Yes! Unlike some lenders, we take your benefits into account as income, therefore we can help in most circumstances with benefits including but not limited to: Income Support, Child Tax Credits, Working Tax Credits, Housing Benefits, Disability Allowance (DLA), Carers Allowance, Personal Independent Payment (PIP).

Yes! We are more than happy to process applications for those who are self employed.  You will be required to prove your income. We ask for 3 months’ worth of bank statements as proof of income.

Once you have applied online using our application form, we aim to process your application and get your approval and credit limit in place in less than 60 seconds, we think you’ll be impressed with our speed and efficiency.

• Photo ID – We will use this as proof of your identity
• Proof of income – Wage slips or bank statements, minimum of 2 months will be required
• Proof of address – This can be in the form of a utility bill or council tax bill.

Have you been refused car finance due to bad credit? Don’t worry it does not mean that you can’t get car finance! We are specialists in bad credit car finance. Many of our customers have been refused car finance from other lenders because of poor or bad credit history.

Yes! All of our car finance agreements are HP (Hire Purchase) which means as long as you stick to your repayment schedule, when your final payment has been made the car is yours to keep, or sell, whichever you prefer.

None! We don’t require any deposit whatsoever, which means you can drive away in your new car quicker than you may have imagined. Simply apply online and our underwriters will get your approval in place with zero deposit required.

Absolutely, we offer great part exchange rates on all makes and models of used vehicles, so if you have a car you’d like to trade in against your new purchase we’re more than happy to work that into your finance deal.

Customer Comments

I didn’t think I stood a chance…

Absolutely fantastic service from start to finish I applied because my credit is shocking I didn’t think I stood a chance of getting a new car when lee told me he could help I thought for sure he was having me on!! Behold 4 days later I was driving away In my new car. Highly recommended even my partner went and bought a car with these a week later after I got mone thank you car finance hub 🙂

Ryan Wormald

Lovely staff…

Lovely staff, who will go out of their way to ensure you drive home the same day. Thank you Car finance hub.

John Keir

These guys make it fun…

I’m speechless to say that the car finance hub is by far the best dealership I’ve ever bought a car from they where outstanding from start to finish Emma knew exactly how to find you a car to meet your needs and budget and the perfect car that you needed and I’m pleased to say that in future I will only be using the car finance hub when buying a car is stressful these guys make it fun and they couldn’t do enough for us Emma was the perfect saleswoman and everyone dreads the salesman but not anymore get down to the dealership and have a chat and I promise it will be the best experience you will have had on buying a car everything is no trouble at all and they even deliver how cools that but thanks again Emma and the car finance hub we will be speaking again before you know it cheers guys.

Dale Covell

Excellent friendly service…

Excellent friendly service from start to finish. I would definitely recommend the car finance hub to family and friends.

Vicky Garner

Great service…

Great customer service from Emma and Matt. Sorted out all the issues that were put in front of them would highly recommend them.

Darren Puc

I would definitely recommend…

My husband picked up my new car the same day, i would definitely recommend car finance hub. Hassle free and the staff go the extra mile. Thanks Dave and team for my new insignia.

Vikky Keir

Excellent staff and very efficient…

Thank you so much for a Fantastic service from start to finish excellent staff and very efficient would definitely recommend this company.

Nicola Espinal

Brilliant, fast and efficient…

Brilliant, fast and efficient car finance and delivered car on time. Thanks Mathew xx

Dawn Kwamba

Matt was absolutely brilliant…

Matt was absolutely brilliant from start to finish, I was quite picky but he helped me get the right car for me and I love it…!!! 5* all the way, no pushy salesman, great customer service and a brilliant car at the end of it – thank you 🙂

Leanne Carter