Personalise your motor finance.
Rates from
11.2% Representative APR
Representative example: Cash Price £9,999.00. Deposit £1000. Total Amount of Credit £8,900.00. Monthly Payments of £205.42 with a final payment of £206.42 which includes an Option to Purchase fee of £1.00. Duration of Agreement is 60 months. Total Amount Payable is £12,326.20 Total Cost of Credit is £3,327.20 Annual Fixed Interest Rate of 4.65%.

Subprime Finance

We have the solution to everyone's car financing needs!

  • Defaults
  • Poor Credit Score
  • Late Payments
  • CCJ's
  • Missed Payments
  • Mortgage / Rent Arrears
  • IVA's & Discharged Bankrupts

We believe that buying a car should be easy for everyone and that bad or poor credit shouldn't stand between you and your new car. The team at SelectaCars know this and we treat all of our customers like people, whatever the reasons for your credit problems we are here to help not to judge. We offer a range of specialist lending solutions all of which will help to rebuild your credit history so in a short time you can be back on track.

SelectaCars is a responsible dealer and we will do everything in our power to find you a match with a lender that suits your needs and budget. We will also do whatever we can to get you the best finance rate

Our expert team are happy to explain every detail of your finance paperwork to you, making sure that you understand the agreement fully. We deal with all the paperwork for you, ensuring that most of the time you can take your car away on the same day you sign your agreement with no fuss.

There are many causes of bad credit so we always look at your individual circumstances when you apply for car finance.

Missed payments, defaults or arrears - Many of our customers have struggled with debt in the past, so don't feel put off applying with us. A bad or poor credit rating is often caused by missing some payments or falling behind with repayments. We've carefully selected the lenders we work with to include ones who are happy to consider applicants in this situation and we'll always try and find you a car finance deal which is right for your circumstances.

Bankruptcy - If you have been discharged from bankruptcy then we're happy to consider your application. If you're currently bankrupt then, unfortunately, we won't be able to help you at this point in time.

CCJs - We regularly help people who have CCJs. As long as they're over 4 weeks old we'll consider your application and have lenders who may be able to provide you with car finance.

IVAs - If you have been under an IVA in the past and it is now settled, we are happy to consider your application. If you have an IVA at the moment, we might need written confirmation from your insolvency practitioner that you're allowed to borrow again, so if you wish to apply then it might be worth asking your IVA company first if they will provide this.

SelectaCars Finance Lowest Rate Guarantee

Whilst we are confident that you will be unable to save money and beat our rates, we don't mind if you try.

We guarantee if you complete a finance deal on any vehicle supplied through SelectaCars Ltd you will have the right to withdraw from the finance agreement within 14 days of signing the finance documents. You will need to make the relevant lender aware that you wish to withdraw within this 14 day period. This could be because you have obtained a cheaper line of credit elsewhere and wish to take advantage of it, but you will not be required to provide a reason for you wanting to withdraw should you choose to exercise this right.

Please note that this is relevant to the finance only and does not give you the ability to return the goods, it simply allows you two full weeks to find the finance cheaper elsewhere, get the new agreement paid out and repay the original agreement balance to the relevant lender.