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Historic Credit Issues? We can help...

What does poor credit history mean for car finance?

If you have a poor credit history and are looking to purchase a new or used car, you may think that you are unable to obtain a finance plan. This isn't always the case, however, the terms you are offered are likely to differ from those with a good credit score.

A lower credit score means that there is a perceived higher risk that you will be unable to keep up with payments. Therefore, there will be a higher APR amount and there is likely to be a larger deposit required. This is just to ensure that your creditor has some form of financial security.

Opportunity to build

Opting for a finance agreement with a poor credit score is a good opportunity to rebuild your score, meaning in the future you will be able to purchase vehicles with better terms.

Nissan Finance

Our online finance facility has been specifically designed to help customers with a poor credit score, find a vehicle that is tailored to their budget.

  • Apply below to receive an instant decision

  • Obtain a credit limit that fits in with your monthly budget

  • Visit one of our 15 dealerships to test drive a vehicle that you already know is affordable

Credit Rating Explained

Your finance application will be judged based on the following areas:

  • Your credit history (how you have paid credit in the past)

  • Your overall 'profile' (how long you have been in your current job and at your current address)

These two factors will then be combined to create your overall 'credit score'.

  • Worried about your credit history? Fill in the application by clicking below to apply for credit.

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    Aprite (GB) Limited t/a West Way Nissan, t/a West Way is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts as an intermediary.

    Aprite (GB) Limited t/a West Way Nissan, t/a West Way is authorised and regulated by the Financial Conduct Authority for consumer credit activity and our registration number is 311404.

    We can introduce you to a limited number of finance providers. We do not charge fees for our Consumer Credit services. We may receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with them, typically either a fixed fee or a fixed percentage of the amount you borrow. The payment we receive may vary between finance providers and product types. The payment received does not impact the finance rate offered.

    All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over, Guarantees may be required.

    Aprite (GB) Limited is a limited liability company registered in England and Wales under number 3261643 with its registered office at The Rivers Office Park, Denham Way, Maple Cross, Rickmansworth, Hertfordshire, WD3 9YS

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