A car without the credit hurdle
Looking for a car on credit?
If you are searching for a car "on credit", you are usually looking at finance or hire purchase — both of which lean heavily on your credit score. Short-term hire is a different route to the same result: a car on affordable monthly payments, but judged on what you can afford now rather than your credit history. Getting a quote involves no credit check.
Check my options →Updated August 2026
Most people who search for a car on credit are really after one thing: a car they can pay for monthly, without needing thousands up front. The problem is that traditional car credit — PCP, hire purchase, a loan — decides everything on your credit file, so a low score, a default or a thin history can shut the door before you have started. Short-term hire gets you the same monthly-payment outcome, but the decision hinges on affordability, not your past.
Why hire works when credit does not
Car finance lends you the whole value of the vehicle, so it has to trust your credit history over several years — which is exactly why it declines so many people. A rolling hire only commits the supplier to a few months at a time, so the question becomes "can you comfortably cover the monthly?" rather than "is your credit clean?". If you have been refused finance, this is usually the route that still works — see bad-credit car hire for the detail.
Whatever your credit looks like
A CCJ or default, a very poor score, or simply no credit history at all — none of them rule you out on their own, because none of them are the deciding factor. We match you to a partner who works with your situation instead of scoring you out of it.
How to get the best outcome
Pick a monthly you can comfortably afford, keep a little back for insurance (arranged separately), and be upfront about your credit so we match you well — our guide on how to get approved covers it. When you are ready, check your options — free, no obligation, no credit check to quote.
Facts & figures
The bigger picture
Source: FCA Financial Lives 2024, 2024
Source: DVLA / GOV.UK, 2025
Source: Finance & Leasing Association, 2025
Check your options in 60 seconds
No credit check to get a quote, and no obligation. Tell us what you need and the right partner is usually in touch the same working day.
- ✓ No credit check to quote
- ✓ Free & no obligation
- ✓ Flexible 6–36 months
Enquiry saved — but you’re not done yet.
An enquiry isn’t an application. We can’t confirm a vehicle, a price or a delivery date until your application is in — so this is the step that actually gets you on the road.
Next step · about 5 minutes
Complete your application to get a vehicle fast
It’s pre-filled from your answers, only your latest bank statement is needed to submit, and it still never touches your credit score.
Continue to my application →No credit check · No obligation · ~5 minutes
Leave it for now and a partner may still be in touch — but you’ll get real options faster by finishing your application.
Common questions
Can I get a car on credit with a bad score?
Short-term hire is the practical route — it is judged on affordability rather than your score, so a low or impaired credit file is far less of a barrier than it is for finance. There are no guarantees; the supplier makes the final call.
Is this the same as car finance?
No. This is short-term rental — you are hiring the car, not buying it on credit. There is no long credit agreement, and we are an introducer, not a lender.
Will it show as a credit application?
Getting a quote from us involves no credit search, so it does not show. Any check happens later, with the supplier, and only with your permission.