Bad Credit Car Finance

Getting you from A to B, no matter your credit score

Excellent 4.7 out of 5 Trustpilot logo

Representative 49.9% APR (variable)

Representative Example: Borrowing £4000 over 36 months, repaying £195.16 per month, total repayable £7025.76. Interest rate 49.9% (variable). Subject to status.

We don't offer false promises or hidden catches - just car finance loans, even if you have a bad credit score.

Why choose Amigo Loans for bad credit car finance?

No fees & no deposits

No credit score needed

One affordable monthly payment

What is bad credit car finance?

Life won't always go to plan, and if you find yourself with a less-than-perfect credit score, you may struggle to get car finance from banks and dealerships. Well, we thought we'd come up with a solution - bad credit car finance loans from Amigo. With the help of a guarantor, we could get you on the road no matter your credit score.

Guarantor car finance

We don't mind if your credit score is high, low, or just floating somewhere in the middle. As long as you can comfortably afford the monthly repayments and you're not insolvent or on an Individual Voluntary Arrangement (IVA), your credit rating alone won't affect our decision-making when approving your loan.


Our service is rated EXCELLENT by over 22,000 customers

Instead, we ask that you have a guarantor. That's someone who trusts you to keep up the repayments and who agrees to cover them if you don't. By basing our loans on trust, this means we can accept customers that many other lenders wouldn't. And just to put your mind at ease, finding someone to be a guarantor on your Amigo loan is actually pretty easy. They just need to meet these criteria:

Aged 18-75

UK homeowner or have good credit

Happy to pay if you don't

We always recommend asking a homeowner to be your guarantor first. A guarantor doesn't need to own their home but it could help their chances of being accepted. We'll always try to avoid your guarantor needing to step in, but just in case they ever do need to make any payments on your behalf, they'll also need to have a good credit score and be able to comfortably the repayments.

Award winning for a reason

We don't want to brag, but...

Moneynet Award

Moneynet Award 2020

Best Mid Cost Loan Provider

Consumer Credit Award

Consumer Credit Award 2019

Best Guarantor Loan Provider



Best Credit Builder Product

Best Companies

Best Companies 2019

2 star 'outstanding' accreditation

Business Excellence Awards

Business Excellence Awards 2019

Excellence in Financial Technology

Credit Excellence Awards

Credit Excellence Awards 2018

Alternative Lender of the year - Finalist

...yeah. Not bad, right?

What are the advantages of guarantor car finance?

Still not convinced? Here's a few more reasons why we think you should apply for an unsecured guarantor loan over traditional car finance:

1 No fees or deposits on your car loan

If you get a guarantor loan directly from Amigo to buy your car, there's no additional fees or any need to pay a deposit. We also never charge any fees for late payments, letters, settling early or overpayments. Basically, no fees ever. Easiest way to remember it is to think 'zero'.

2 Loans regardless of County Court Judgments

We don't mind if you have CCJs or historic defaults on your credit file. As long as you're not currently insolvent or on an IVA (or similar), aren’t in financial difficulty and can afford the repayments, and have a guarantor, then you could be approved for a car loan with Amigo.

3 Could improve your credit score

Even though you need a guarantor, a car finance loan from Amigo will be on your credit file in your name and your name only. If you keep up the repayments as well as your other bills, this could help improve your credit score.

Just like a personal loan, you can use a guarantor loan to finance anything you need for your new car. One loan with Amigo could cover your car insurance, road tax, any extras such as servicing, and the new car itself, all with one monthly payment. Pretty neat, huh?

What is guaranteed car finance?

If you've been shopping around, you may have come across the term “guaranteed car finance”. Sounds good - why don't Amigo Loans offer that?

Well we don't want to burst anyone's bubble, but some companies will try to lure you in by suggesting you're guaranteed to be approved for a car finance deal when you're not. Best to check the small print and be careful around companies using it.

It's not to be confused with the guarantor car finance loans from Amigo, either. Our guarantor car finance is about having someone to back up the repayments for your new car if you stop making the payments yourself. No hidden catches or false promises - just the finance you need, when you need it.

For more information on guarantor loans, head to our guarantor loans page or use our loan calculator to find out how much you could borrow towards your dream car.

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