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McCarthy Cars

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020 8031 6289


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 McCarthy Cars, you have more options and flexibility when considering an Approved Used vehicle on finance and applying for car finance.

For your meeting with our team to talk through your car finance application, 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 McCarthy 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.

Contact us

Get a quick, no-obligation quote for car finance online using THE FORM ON OUR WEBSITE. You can also seek advice from the expert team at your closest McCarthy Cars dealership in South London, Croydon.

General Insurance & Consumer Credit

McCarthy Cars is an appointed representative of Automotive Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows McCarty Cars to act as a credit broker, not as a lender for the introduction to a limited number of finance providers and to act as an agent on behalf of the insurer for the insurance distribution activities only.

McCarthy Cars work with a number of finance providers and brokers to find you the most suitable finance for your new car.

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Sub-prime finance

Sub-prime finance is not guaranteed and will cost more than finance provided by a prime lender. We will try to obtain finance for you but that there is no guarantee. It may be from a sub-prime lender, and if so, the cost of finance is likely to be at a higher rate than prime lenders offer.

Subprime Lenders