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Financing your car at Inchcape

Impaired Credit Car Finance

Do you have historic credit issues?

Not sure if you qualify for car finance?

No problem - We can help and find you your perfect vehicle.

27.9% APR Representative

At Inchcape we are here to make car financing as easy as possible. Not only can you enjoy a fantastic deal on your new car but our online finance service will help you get behind the wheel, even if you have a poor credit history or have not had car finance before.

Our prearranged car finance facility has been specifically designed to help customers with impaired credit history to find a car that fits within their monthly budget

With access to many different lenders, we'll be able to find the agreement that best suits your credit profile.

You won't need to shop around for the best price and, best of all, our 'soft search' technology protects your credit rating

Here is how our online finance facility works:

  • Complete our brief online application to receive an instant decision at any time of the day and night
  • A member of our customer service team will be happy to answer any queries you may have
  • Obtain a credit limit that suits your ideal monthly budget
  • Visit the dealership to test drive a selection of cars that you already know are affordable
  • Our service is fast, convenient and free of charge

Apply Now


  • You must be aged 22 years old or over
  • In possession of a UK provisional or full license
  • Currently employed or self-employed earning in excess of £850 per month (after tax)
  • Have been a resident in the UK for over 3 years

Credit Rating Explained

  • A lender will tend to judge your finance application based on two key areas:

i. How you have paid credit in the past (your 'credit history')

ii. Your overall 'profile' (your current situation - how long you have been at your address and how long you have been in your current job etc.)

  • The lender will them combine these two elements to create an overall 'credit score' or 'credit rating' for you as a potential customer.
  • With access to 14 lenders, we are able to cater for most credit statuses.
Our online finance pre-approval service is provided by DSG Financial Services Ltd. As an authorised credit broker, DSG Financial Services Ltd can introduce you to a selected group of lenders who may be able to help you finance your purchase.