No credit check car finance

Free eligibility check with no impact on your credit.

Bad credit & no deposit deals.

Get a car finance quote
Get a car finance quote

Check eligibility with no impact on credit score

At Moneyrepublic, we offer hassle-free car finance with no credit check. Our unique service allows you to get a car finance quote without affecting your credit score through a soft search. This means you can explore your options risk-free. If you decide to proceed, we'll conduct a more detailed assessment with a hard search credit check. Let Moneyrepublic help you secure car finance tailored to your needs, regardless of your credit score. Contact us today to find out more about our no credit check car finance options.

Car finance calculator

  • 36months
  • 42months
  • 48months
  • 60months

This helps you get a more accurate finance estimate

Not sure about being approved?

Check finance eligibility

Won't affect your credit score

Your estimated examples

These estimates are subject to credit checks, and may change if you do apply for finance.

Loan amount£7,500
Length of Loan60 months
Monthly payment£0
Interest rate9.9% APR
Optional final payment£0
Amount of interest£0
Total payment£0

Hard credit search vs soft search

When it comes to checking your credit history, there are two main types: hard credit searches and soft credit searches:

Hard Credit SearchSoft Search
Conducted by lenders when you apply for creditConducted for initial eligibility checks
Appears on your credit reportDoes not impact your credit score or appear on your report
May affect your credit scoreDoes not affect your credit score
Detailed assessment of credit historyBasic assessment without detailed credit history review
Required for final approval of finance applicationInitial step to explore financing options

Before proceeding with a hard credit search, it's wise to understand your current credit score. You can obtain your statutory credit file for free from major credit reference agencies like Experian, TransUnion, or Equifax. When you request a quote, we conduct a soft check to assess your car finance eligibility swiftly. This process is quick, taking less than 5 minutes, and won't impact your credit score. You'll receive an instant decision. Only when you decide to proceed with us do we conduct a hard check.

Opt for our no credit check car finance services to compare options without impacting your credit history.

Does Moneyrepublic offer no credit check car finance?

Moneyrepublic does not offer strictly "no credit check" car finance. However, we provide flexible options to assist individuals with poor credit:

  • Soft credit check: Our online quote form uses a soft credit check to assess eligibility without impacting your credit score.
  • Hard credit check: If you proceed with an application, a hard credit check is conducted to finalise the finance agreement.

While lenders cannot offer car finance without any credit checks, Moneyrepublic aims to make the process accessible and transparent. We focus on finding suitable finance solutions tailored to individual circumstances, ensuring fair and responsible lending practices.

Do I need a credit check to get car finance?

While credit checks are standard practice for finance companies, our focus is on finding solutions that work for you, regardless of past financial challenges. We specialise in assisting individuals with bad credit or those who have faced difficulties in maintaining good credit. Our commitment to ethical and responsible lending means we strive to treat every customer fairly. If you've had issues securing finance in the past, missed payments, or faced challenges during self-employment, we're here to help you find a suitable finance plan.

Who would need no credit check car finance?

No credit check car finance is ideal for individuals facing credit challenges, such as those with poor credit scores, limited credit history (such as young drivers), or individuals with an Individual Voluntary Arrangement (IVA) or County Court Judgement (CCJ). Poor credit can arise from missed payments, defaults, or financial difficulties in the past. Young drivers often have limited credit history due to their age. Those with IVAs or CCJs may find it harder to secure traditional finance. No credit check car finance offers a solution by assessing affordability rather than solely relying on credit history.

At Moneyrepublic, we specialise in providing accessible car loans and finance options tailored to individual circumstances, ensuring everyone has the opportunity to get behind the wheel.

No credit check car finance for those with poor credit scores

At Moneyrepublic, we understand the challenges of securing car finance with a poor credit history. Credit checks are typically required by lenders to assess risk and ensure borrowers can manage repayments.

At Moneyrepublic, we provide a trustworthy alternative with no credit check car finance options. Our initial soft search lets you assess your credit status without affecting your existing credit and file. This helps you avoid unnecessary hard credit checks that can impact your score. Start your application today to explore our bad credit car finance deals and choose from a wide range of vehicles tailored to your needs. Drive away in the perfect car with Moneyrepublic.

What factors do lenders check?

When applying for car finance at Moneyrepublic, we assess various factors to determine eligibility and suitability:

  • Proof of identity: Verification of personal details like name, date of birth, marital status, and residential status.
  • Address history: Providing details of your addresses for the last three years.
  • Proof of income: Evaluation of your ability to make repayments, typically through bank statements.
  • Employment status: Checking job details including job titles, work history, and salary.
  • Driver’s licence: Full driving licence is required for car finance applications.
  • Credit score: Assessment of your creditworthiness based on your credit score.
  • Affordability: Our team reviews applications based on various affordability criteria to ensure manageable repayments.

We use a soft credit check to understand your eligibility and ensure that any car finance packages we offer are suitable for your circumstances. If you’re unsure about approval, you can check your credit score with Experian, Equifax, or TransUnion to understand your credit status. At Moneyrepublic, we strive to provide transparent and accessible car finance options tailored to your needs.

How can I apply for car finance?

Applying for no credit check car finance with Moneyrepublic is easy, even if you have bad credit. Here's how:

  1. Use the finance calculator: Start by using our finance calculator on ChooseMyCar to determine an affordable monthly repayment amount based on your budget.
  2. Begin the application: Once you have an idea of what you can afford, start the car finance application process online. Provide necessary personal and financial details.
  3. Complete paperwork: Complete the required paperwork, including any necessary documentation for verification.

Remember, if you're struggling to get approved, consider alternative options like credit unions, guarantor loans, or addressing defaults or Debt Management Plans (DMPs) to improve your chances of approval. At Moneyrepublic, we're here to help you find the right finance solution for your financial situation and needs.

Why choose Moneyrepublic?

Get your car finance online

Get car finance options with no impact on your credit score. Rates starting from 9.9% APR.

Buy a car from any dealer

Once approved, collect or get your car delivered to you.

Car finance quality assured

We’ll do a thorough vehicle HPI, full-service history and MOT check. Buy with confidence.

Geta a quote now

Our Lenders

We work with over 15 lenders offering 100+ HP and PCP deals so that you could have the best offer.



What is no credit check car finance?

No credit check car finance allows individuals to secure car financing without traditional credit assessments. Instead of relying solely on credit history, lenders assess affordability through other means, enabling those with poor or limited credit to access financing. This approach provides opportunities for individuals facing credit challenges to obtain a car loan.

Can I get guaranteed car finance with no credit check?

No, guaranteed car finance with no credit check does not exist. Responsible lenders do not offer guaranteed car finance without a credit check. Beware of claims suggesting otherwise. Lenders assess eligibility based on credit history and affordability. Approval depends on individual circumstances, and no responsible lender can guarantee car finance without conducting a credit check.

Do dealerships offer no credit check car finance?

No, dealerships typically do not offer no credit check car finance. Responsible dealers and lenders must ensure that finance is affordable and suitable for borrowers. They may use soft checks initially, which do not impact credit scores. However, a hard check is often required before entering into a finance agreement, affecting credit scores.

Can I get car finance with no credit check and no deposit?

No, it's unlikely to get car finance with no credit check and no deposit. Responsible lenders consider various factors, including credit history and affordability. Some agreements may require a deposit based on individual circumstances. Be cautious of claims for guaranteed car finance without credit checks or deposits, as these are typically not offered by responsible lenders.

What types of car finance can be applied for with a soft credit check?

You can apply for Hire Purchase (HP) or Personal Contract Purchase (PCP) car finance agreements with a soft credit check. HP involves fixed monthly payments and ownership at the end of the agreement. PCP offers flexibility and the option to upgrade at the end. Soft checks help assess eligibility without impacting credit scores.