Used Car Retailer of the Year 2023

020 8969 5511
Open Today: 10am - 10pm

Bad Credit Car Finance London

Credit Worries?

We’ve partnered with the UK's leading lenders so we can always do our best to support you.

Buying a Car with Finance

Car finance may seem unrealistic if you have credit worries but we have relationships with some of the UK’s leading car finance lenders who look at what people can afford now rather than what’s happened in the past.

And, when it comes to offering you a loan to buy your car, our finance partners simply look at your ability to pay us now and in the future.

A less than perfect credit history shouldn’t stand between you and the car you need.

You’re in Control

We understand that if you need a car, you need a car. That’s why we work closely with customers with low credit scores. We always do our best to find solutions that suit everyone.

We want you to feel confident and comfortable discussing your needs with us. Our Advisors help customers every day from a wide range of financial circumstances. Our typical APR is 12.9% APR representative but you can choose between 36 – 60-month payment terms.

The best way to find out whether you can get credit with us is to start the online application process.

The Finance Application Process

Apply For Finance Online

Simply complete the online application form and we'll do the rest for you. If you need assistance just call us on 020 8969 5511 and we’ll support you in completing your application.

Soft Credit Search

This is how we're able to select the right lenders for your circumstances. This check will not affect your credit score.

Credit Search

Once the soft search is complete and we have an understanding of your circumstances we will pass your application to multiple credit providers in order to give you the best chance of securing finance*.

Come in and See Us

Upon a successful application, we'll arrange an appointment for you to see one of our Finance Managers where you can finalise your finance agreement and car purchase**.

1. What type of finance will you be able to offer me?

At Cargiant we offer Hire Purchase(HP) & Personal Contract Plan (PCP) which means you will have fixed monthly repayments with no hidden extras.

2. Can I pay my finance over a 3-year time period?
We can arrange fixed monthly payments over a 3,4 or 5-year finance plan. Whichever suits you best.
3. Can I just apply online?

If you prefer, you can talk to one of our SAF Approved Business Managers face to face or call our Finance Team for further support on 020 8969 5511. Our team are available 7 days a week, Monday to Saturday, 9am until 7pm and on Sunday 10am - 6pm.

4. What documents do I need to apply for finance?
  • Your UK/EU driving licence
  • EU Passport if using EU driving licence
  • One proof of address dated within the last 90 days, e.g. bank statement, council tax statements or other utility bill.

Sorry, we’re unable to accept mobile phone bills as proof of your address. 

* This may result in multiple credit searches on your credit report.

**Please note that if accepted, the vehicle is not automatically reserved. Please enquire for more details.

Car Giant Limited is registered in England and Wales with company number: 01407612. Registered office: 44 Hythe Road, London NW10 6RS and regulated by the Financial Conduct Authority. Our FCA registered number is 307782.

Cargiant act as credit broker and not a lender. We can introduce you to carefully selected lenders including BNP Paribas, Blackhorse, Motonovo and their finance products who will pay us for introducing you to them. We are not an independent financial advisor. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation. We do not charge you a fee for our services.

Whichever lender we introduce you to, we will typically receive commission from them; either as a fixed percentage of the amount you borrow or a fixed fee. Where a fixed fee, the amount of commission may be influenced by your creditworthiness and the risk of lending to you, otherwise known as ‘rate for risk’. The higher the risk, the higher the band of interest rate charged to the borrower typically resulting in less commission paid to us from the lender due to the increased risk of default or cancellation. The lenders we work with could pay commission at different rates. However, the amount of commission that we receive from a lender does not influence the amount that you pay to that lender under your credit agreement.

Finance is available subject to status, to UK residents aged 18 years and over. Indemnities will be required. Conditions will apply depending on credit score status.

How To Find us

Where we are and when we're open

Our Address

44-45 Hythe Road

White City


NW10 6RS

1 mile from Westfield London

Opening Hours
Open until 10pm weekdays
Monday to Friday 10am - 10pm
Saturday 9am - 7pm
Sunday 10am - 7pm
Bank Holidays 10am - 7pm