AutoMoney may be able to help. We consider applications from customers with lower credit profiles . We look at your full financial circumstances rather than relying on a credit score alone. Our initial application uses a soft credit search, so applying will not affect your credit file. If you have been refused car finance elsewhere, it is worth finding out whether we can help.
Yes, car finance may still be available with poor credit, although approval depends on your wider financial circumstances rather than your credit score alone. AutoMoney Trust specialises in helping customers who have been declined elsewhere, including those with CCJs, defaults, or limited credit history. We assess affordability, income stability, and current commitments alongside your credit file. Poor credit may mean a higher interest rate or a smaller borrowing amount, but it does not automatically rule you out. You can explore finance options by completing a short online application, with a soft search that won't affect your credit score.
Yes, AutoMoney Trust accepts applications from customers with a lower credit score, as we look at your wider financial situation rather than relying on a single number. Affordability, income stability, current commitments, and recent credit conduct are all considered. A lower score may affect the rate you are offered or the amount you can borrow, but it does not automatically rule out approval. Applications remain subject to status and affordability checks. If you are ready to see your options, you can start an application online and receive a decision in minutes.
Car finance can affect your credit score in both directions. Consistent, on-time payments build a positive credit history and may improve your score over the life of the agreement, demonstrating to future lenders that you can manage credit responsibly. Missed or late payments have the opposite effect, they are reported to credit reference agencies and can lower your score, making future borrowing harder or more expensive. Applying for finance also creates a hard credit search, which may cause a small short-term dip. Settling your agreement in full further strengthens your credit profile. For more detail, read our guide to Credit Checks for Car Finance.
For an AutoMoney Trust car finance application, you may be asked to provide proof of identity such as a valid UK driving licence or passport, proof of income such as recent payslips or bank statements, proof of address dated within the last three months, and details of the vehicle if you have already chosen one. Self-employed applicants may need to provide additional documentation such as SA302 forms or business accounts. Having these documents ready before applying helps speed up the decision and reduces back-and-forth requests.
