Refused elsewhere? You still have options.
Yes — you can hire a car with bad credit in the UK. Our short-term rental partners welcome all credit histories on flexible 1–36 month terms, home delivery available. Getting a quote involves no credit check.
Check my options →Updated August 2026
How it works when your credit isn't perfect
Mainstream finance scores you on history. Our short-term rental partners look at affordability now — your income, your outgoings, what you can comfortably pay each month. That's why the journey starts with your budget, not your credit file.
Facts & figures
You're far from alone
Source: FCA Financial Lives 2024, 2024
Source: DVLA / GOV.UK, 2025
Source: Finance & Leasing Association, 2025
Common questions
Can I hire a car with a CCJ or default?
In many cases, yes. Our panel includes rental partners who welcome all credit histories, looking at affordability today rather than only your past.
Will getting a quote hurt my credit score?
No. Getting a quote from us involves no credit search. Any check happens later, with the rental partner, and only with your permission.
How fast can I be driving?
It depends on the partner’s checks and what they have available. A completed application with your documents attached is what gets you a real answer soonest.
Can I rent a vehicle with bad credit in England?
Yes. We work with short-term rental partners across England and the rest of the UK who welcome all credit histories and assess whether you can afford the monthly cost now, not your credit past. Getting a quote involves no credit check.
Are you a rental supplier, or a broker?
We're an introducer — a broker in the everyday sense. We match you to a vetted short-term rental partner from our panel, and they supply the vehicle and hold the rental agreement. We're not the rental company and not a lender, and we always tell you who we match you with.
Can I hire a car with a CCJ, default, or after an IVA or bankruptcy?
Often, yes. Partners who specialise in all-credit-welcome hire weigh your current affordability far more heavily than past events — a settled CCJ or discharged IVA is a very common situation for them. The partner makes the final decision, but enquiring is free and leaves no mark on your file.
How is this different from the big rental firms like Enterprise or SIXT?
The large chains often take a debit card, but their standard checks, deposits and card holds still apply and they're built for days-to-weeks rental. We're affordability-led and set up for adverse credit and longer 1–36 month hire, matching you to a partner who works with your situation.
Millions of UK adults have adverse credit — can they still get a vehicle?
Yes. The FCA's Financial Lives research has found a large share of UK adults show signs of financial difficulty or hold a thin credit file, and many are wrongly told a car is out of reach. Short-term hire is judged on affordability now, so it's far more accessible than finance for people with poor or limited credit.
Does getting a quote affect my credit score?
No. Getting a quote from us involves no credit search, so it can't affect your score. Any check happens later with the rental partner, and only with your permission.