Car Loans

MotaFinance is a specialist lender, working with customers who have a poor credit history!

Been refused car finance?


Don't worry about being refused for a car loan due to bad credit because we look at people differently, we don't judge you solely on your credit history, we assess your current situation as well so we can help you re-establish your credit profile.

We understand that taking out a car loan can be a frustrating process if you have a poor credit history. We aim to make the process as easy as possible for you. Our application only takes a few minutes and we usually provide you with an instant decision.

Apply today and you could be driving away a new car sooner than you think!

Just remember, if you have county court judgements, a poor credit rating, defaults, payment arrears or have previously been bankrupt does not mean you won't be able to get car loan.

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Why have I been refused finance?


If you've previously been refused car finance by mainstream lenders, your credit score is usually to blame. Finance companies use your credit rating to assess your credit history and this helps them to determine whether they'll lend to you. It's affected by a variety of factors, which can negatively impact your rating and make it hard for you to get approval.

Making late payments on bills, missing mortgage repayments or taking out lots of credit applications are some of the most common causes for having a poor credit rating. Your rating will also be affected if you don't have a strong credit profile — so if you've not used credit in the past you may struggle.

How can I get a car loan if I have been refused?

Speak with us, we are much more likely to help than the mainstream lenders. We specialise in providing affordable car loans for those with poor credit. The process is simple, easy and quick. Complete the online application and in most cases we will be able to provide you an immediate decision for a loan.

Repairing your credit profile

If you're struggling to navigate your credit rating, there are also a range of independent organisations that can provide you with free and impartial advice.


There are a range of companies that allow you to take a look at your credit rating yourself. This gives you the opportunity to see the factors which are dragging your score down, and also allows you to flag up any details that are incorrect.

Don't panic if your credit rating is poor, there are plenty of ways to improve it. It may not be a quick fix, but honouring your payments is the most effective way and should make your credit profile stronger in the future.

Having a CCJ

When you have a CCJ, you will find that it will affect your ability to get approved for car finance. However, it doesn't mean that it is impossible to get approved. We specialise in providing car loans for those with a poor credit history. As such we look at your current situation and not just at your credit history and are more flexible than mainstream lenders in our approach of who we will provide finance for.

Managing your budget

At MotaFinance we understand that living affordably is key, especially if you have a CCJ. To that end, we ensure that all car loans are suitable for you, and that the amount and length of your repayments make sense for you.

What is a CCJ?

A CCJ stands for County Court Judgment that can be granted against you if you fail to repay any debts that you owe. Before you have a CCJ applied against your name, your debtors must issue you a warning letter, to let you know that you need to repay what you owe or they will pursue legal action.

Amount to Finance

The full amount you will have to pay for the loan is divided into fixed monthly repayments which are spread over the term of your loan; this could be from 3 to 5 years dependent on your circumstances and chosen vehicle.

The end of your agreement

At the end of the agreement, once you've made all the payments, the vehicle is yours to keep, or to use as part exchange for another vehicle.

What is Hire Purchase?


Hire Purchase is one of the most common types of finance because it is really simple — you hire the vehicle and make monthly repayments until you have paid off the agreed finance. Once all the payments have been made the car becomes yours.

Hire Purchase is a suitable form of car finance for people who struggle to get other forms of credit such as personal loans, people with bad credit as well as people who do not want to pay cash for a vehicle. It is a convenient way to pay for a vehicle based on budget and credit profile so you can get monthly payments which are affordable.

Payment Reminder Device

At MotaFinance we think about people differently and want to help you, our valued customer, back on the road to re-building your credit. To assist with this, we use a payment reminder device.


As specialists in providing car finance for those with bad credit, our payment reminder device not only helps you get a car, it also helps to remind you when your repayments are overdue. That way you can stay on track with your loan and rebuild your credit score.

MotaFinance is one of the first finance companies in the UK to fit Payment Reminder Technology to the cars we finance. The device is small, discrete and is there purely to help you keep your repayments up to date. It doesn't affect your car or monitor the way you drive. The device is fitted by qualified engineers and is removed once the loan is fully repaid.