Getting Car Finance With Poor Credit

kyledmu

Hi,
I apologise if this question has been asked before. I need to get a new car in the coming weeks (when stores open again) as my current car is just too old and temperamental to run. I was looking at a finance/lease but I’m unsure as to where I should look. I’m a teacher on a full time salary, but unfortunately my credit score is appalling due to some silly mistakes from over-borrowing when I was younger. 
Could anyone recommend a provider for Finance/Leases? I’ve heard The Car Shop is good with poor credit, but they ask for quite a lot of money up front (£99 just to view a car and a £1,000 deposit)
Thanks!

[Deleted User]

Find a used car for a few hundred and pay cash.

Your circumstances don't seem right for committing to years of payments.

MEM62

but unfortunately my credit score is appalling due to some silly mistakes from over-borrowing when I was younger. 

Then you should realise that taking out finance on an asset with a value that falls like as stone is hardly a sensible decision - particularly in you case as, with a poor credit rating, you will be paying through the nose in interest.  As advised, limit your spend to what you can afford as a cash purchase.    

DCFC79

Yes buy used, plenty of cars out there.

[Deleted User]

It will be months before people can buy cars again so no need to rush.

DCFC79

camelot1971 said:

It will be months before people can buy cars again so no need to rush.

Exactly but in the meantime the OP has the option to get a garage to fix any issues.

OP your a teacher right, are you working ?
If your not working, you have a number of months where you can put money aside to replace the car when we get the all clear that its back to normal.

sasha20

I agree with some of the comments above - in your circumstances, I would not go for a new car and see what you can afford on the used market. The UK has some seriously good deals on used cars - you can get something that will genuinely work for at least a few years for under £1,000.

If your credit is poor, the likelihood is you won't qualify for any good car finance deals or a cheap unsecured loan. The alternatives charge exorbitant prices and I'd definitely steer clear of any high cost credit in order to buy a car. See if you can find a well reputed independent local car mechanic and ask them if they can sort the issues on your car out once and for all - you might be surprised to find that the major gremlins can be fixed with new parts for several hundred pounds which will mean you don't need to replace the car after all.

Fireflyaway

If your car still works, I agree with saving up and getting a cheap but safe run around. When my car broke down my parents offered to buy me a car and I pay them back. Seemed great idea. I had an ok job, husband on good income. Fast forward, I lost my job and my husband left! Currently I'm  not paying my folks back and I feel rubbish about it. I don't think I will ever get a car on credit again (even if it's with my parents!). My point is you can't see what's round the corner. A newer car doesn't always mean it's more reliable anyway.