Important Message
***Ordinarily we do not run an organised distance selling scheme. However, due to the coronavirus outbreak we need to support our valued customers by delivering your vehicle to your home.*** PLEASE CALL FOR MORE INFORMATION ON 01234331783. SIGN YOUR FINANCE AGREEMENT ONLINE AND WE WILL DELIVER TO YOUR DOOR! BUY NOW PAY LATER WITH OUR EXCELLENT FINANCE RATES!


SM Specialist Cars Ltd have a dedicated team of finance experts waiting to help with your enquiry.

We have relationships with high street lenders and specialist motoring finance houses too, that is why we have helped hundreds of customers secure the best finance deal for their budget.

Our expertise with finance means that even if you have a poor credit rating we can help arrange finance for you.

I have bad credit; will i be able to get car finance?

  • CCJs, IVAs, defaults, arrears
  • All circumstances considered
  • Soft search, no credit footprint
  • Buy from any reputable dealers
  • Representative APR 21.4%

Don't despair! At SM Specialist Cars Ltd, we understand that there can be lots of reasons for a poor credit profile. We combine a wide panel of 32 lenders with a sensible approach to selecting the best car finance lender. This means that we may be able to approve you for car finance where others haven't been able to.

Your past credit history could be the result of CCJs, mortgage defaults, IVAs or bills that have been paid late. It could be that you're self-employed, with no proof of income, or that you simply haven't built up a credit history yet.

Whatever the reason, we look at every case individually, without judgement and with the aim of finding you the best rate and most suitable car loan for your circumstances.

2 Minute Application

Complete our simple to use online form below and once submitted, we will get back to you as soon as possible.