Are you suffering from a poor credit history? Here at Gateacre Motors we are experts in providing car finance to customers who have a bad credit history or perhaps no credit history at all, we specialise in finding the right car finance to suit your individual circumstances. If you have had problems with finance please contact us as we may be able to help and can offer simple monthly used cars finance plans to suit your needs through our pay-as-you-go car-credit option.

We know that customers applying for car finance may have a low credit rating for various reasons, and often it's through no fault of their own. We also understand that regardless of your credit history you may still be able to afford the monthly repayments on a car loan, that's why we look at your current circumstances and your ability to make repayments on a car loan.

Our tailored finance packages enable us to offer affordable car finance to more customers than ever before. We can help you whether you have CCJ's, have other finance arrears or previous bad credit, low credit rating or no credit rating. We are happy to hear from customers who are homeowners, tenants, motability customers or self employed or employed and will accept applications from all areas of the UK.

Contact us at Gateacre Motors by filling in our finance form below for Guaranteed Car Finance if any of the following apply to you:

Many customers are put off applying for car finance because of their credit rating, our friendly and helpful staff specialise in providing vehicle finance for people with bad credit histories. We are confident we can secure you the best car finance rate available based on your individual circumstances. Simply fill in the form below for more information.

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Vehicle Interested In


Your Details

Accommodation Details

Employment Details


Your Bank Details

Further Information

GDPR and Data Protection Notice 1998

In considering your application we will search your record at a credit reference agency. They will add to your record details of our search and your application and this will be seen by other organisations carrying out later searches. It is important that you give us accurate information. We will check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud we will record this. We and other organisations may use and search these records to help make decisions about credit and credit related services, for you and members of your household; trace debtors, recover debt, prevent fraud, and to arrange your accounts or insurance policies; check your identity to prevent money laundering unless you furnish us with other satisfactory proof of identity. You have a right, on payment of fee, to receive a copy of the information we hold about you if you apply to us in writing. We may pass on your details to other companies to send information about the product.

Please tick the box below to confirm that you consent for your information to be made available to any potential lender or broker who may be able to help you buy/lease your vehicle of choice at Gateacre Motors.

Representative Example

Rates from 7.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £5000 over 5 years with a representative APR of 17.20%, an annual interest rate of 17.20% (Fixed) and a deposit of £0.00, the amount payable would be £121.49 per month, with a total cost of credit of £2,289.40 and a total amount payable of £7,289.40.

We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We don't charge a fee for our service, but we do earn a commission. This does not influence the interest rate you're offered in any way.

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