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Check eligibility
Tell us about employment, income, housing, a monthly budget and a deposit you could put down. You will see the result on screen.
Car finance with bad credit
A less-than-perfect credit history does not automatically mean there are no options. Oakwood starts with eligibility, not a full application, so you can see a personalised finance profile before you choose a car.
Get a personalised finance profile with no impact on your credit score.
What people mean by bad credit
Customers often use “bad credit” to describe missed payments, a thin credit file, or other marks on their credit history. It is a general phrase, not a lender decision.
Credit history is one of the things a finance provider may consider. It does not, on its own, tell you whether finance will be available for a particular vehicle.
How Oakwood can help
Oakwood is a credit broker, not a lender. We help you check eligibility, browse used cars with monthly figures first, and build a deal when you are ready.
If a vehicle is outside your finance profile, you can increase the deposit, look at a lower-priced car, or contact Oakwood. We do not automatically extend the finance term to force a deal to work.
Eligibility, not an application
Check eligibility to get a personalised finance profile. That uses a soft search and does not affect your credit score.
A regulated finance application happens later, when you build a deal on a specific vehicle. Your final terms are confirmed then.
What happens next
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Use your finance profile
If you receive a profile, monthly figures on cars can reflect it. It is an illustration, not a guaranteed final rate.
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If a car is out of reach
Increase the deposit, browse a lower-priced vehicle, or speak to Oakwood. Checking eligibility again is available if your profile expires.
Frequently asked questions
Can I get car finance with bad credit?
A weaker credit history does not automatically mean there are no options, and it does not mean finance is guaranteed. Check eligibility to see a personalised finance profile. That is a soft search, not an application.
Will checking eligibility affect my credit score?
The soft search used for eligibility does not affect your credit file. A full application, later in the deal, is when a harder search may happen.
Do you accept everyone?
No. Oakwood does not guarantee acceptance. Individual circumstances matter, and a lender decision is confirmed during a full application on a specific vehicle.
Check my eligibility
Get a personalised finance profile with no impact on your credit score.