There are many factors that are taken into account when you are looking to get car finance. Affordability is still the most important, but your credit score also has a big impact for many car finance lenders. If you find you have a poor credit score you may be wondering what the best route is for financing your next car and what cars are available to you.
It’s worth noting that if your credit is really bad your first car can be used as a stepping stone to getting the car you really want by proving to lenders you are able to pay for a car on time and in full every month. This improves your credit score which means you are likely to be offered a bigger credit limit next time (granted other factors still look good).
If you are looking for the best car to get with bad credit your best bet is to use a bad credit car finance specialist to be in with the best possible chance of securing your car loan. Once you’ve been approved you can then look at which car you want to use your finance on.
We’ve put together our top picks:
The first choice is the ever-popular Vauxhall Insignia. This 5-door family hatchback just gets better and better with each new generation bringing updated styling each time. It’s pretty cheap to buy and run making it a fantastic alternative to the BMW & Audi saloons, without the hefty price tag. This large family car is one of the best on the market with plenty of space and comfort. It’s very efficient and it’s nice to drive with direct steering. You can behind the wheel of an Insignia for less than £6,000 making it achievable for many.
- You May Also Like: Top 10 Cars to Drive in the United Kingdom this Year
The 500 has proven to be a big hit for Fiat and is a very popular choice as a first car. As one of the most recognizable cars on the road, Its small size makes it perfect for city driving. It’s retro throwback styling, a nod to the original makes this a popular choice with the most style conscious. It’s not all about looks though, it’s fun to drive and with good visibility, it excels around town. You can get behind the wheel of a Fiat 500 for less than £5,000!
No list of cars should be complete without the UK’s best-selling car year after year, the fantastic Ford Fiesta. It’s generally regarded as the best handling car in the small car class thanks to its sharp and precise steering. It’s also super comfortable and smooth to drive making ride comfort enjoyable for the whole family. If you want to pick up Britain’s most popular car then you should be able to for less than £5,500.
- You May Also Like: Top 6 Best Hybrid Cars for 2019
BMW 1 Series
Getting the premium BMW badge isn’t easier, but it’s not impossible. The 1 series from this German manufacturer is really affordable. Ride quality gets better with each release and the once polarising looks are now celebrated among car critics. It’s reassuringly well-liked by driving enthusiasts too. You could be behind the wheel for just £5,500!
- You May Also Like: 7 Ways To Reduce Your Gas Consumption
Need a seven-seater? The Zafira is arguably one of the best available and it doesn’t come with a hefty price tag. As it’s based loosely off of the Vauxhall Astra it’s a great drive and they have done well on providing a classy interior. As expected, space is great especially when it comes to head room. Getting your hands on a Zafira is also an easy ride when you have poor credit with them selling for less than £5,500.