Carboom is a credit broker, not a lender.

Rates from 9.9% APR. Representative 19.9% APR. Hire Purchase (HP) Example: Borrow £10,000 over 5 years with a £0 deposit. Representative APR 19.9% fixed rate. Monthly payment: £255. Total cost of car finance: £5,329. Total amount repayable: £15,329. Carboom is a credit broker not a lender.

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Can I get car finance in Edinburgh?

You can get approved for bad credit car finance in Edinburgh most of the time. Carboom works with lenders who consider more than just your credit score, giving you a fair chance to secure the vehicle you need. If you don’t have money saved for a deposit or rely on benefits, that’s not a barrier—we offer access to no deposit car finance tailored to your situation. You choose the car that suits your lifestyle, and we support you in arranging car financing (a credit agreement that allows you to repay the cost through monthly instalments). This gives you a straightforward way to finance a car with terms that match your circumstances.

Car finance calculator

Finance calculator

£
  • 36month
  • 42month
  • 48month
  • 60month

This helps you get a more accurate finance estimate

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Check finance eligibility

Won't affect your credit score

We are a credit broker not a lender
Your estimated examples

These estimates are subject to credit checks, and may change if you do apply for finance.

PCP
£0/pm
HP
£0/pm
Loan amount£7,500.00
Length of Loan60 months
Monthly payment£0
Interest rate14.9% APR
Optional final payment£0
Amount of interest£0
Total payment£0

Bad credit car finance in Edinburgh

Carboom offers bad credit car finance in Edinburgh and has already helped hundreds of local drivers get behind the wheel. We work exclusively with lenders who take a flexible view on credit history and focus on what you can afford today. Our broad network of UK-wide and Edinburgh-based dealers gives you access to a wide range of cars on finance, including used models. Whether you're looking for something practical or something spacious, we’ll help you find finance options that fit both your preferences and your budget.

You can apply even if you’ve had a County Court Judgement (CCJ), an active Individual Voluntary Arrangement (IVA), or rely on benefits. These situations don’t stop us from helping you move forward. Instead of focusing on your past, we prioritise what’s affordable for you now. We assess your current income and expenses to match you with a realistic repayment plan. With the right support, bad credit doesn’t need to stand in your way when financing cars in Edinburgh.

Quick look at the car finance calculations for bad credit

Loan Amount (£)

Loan Term (Months)

Estimated Credit Score

PCP & HP Interest Rate (APR)

PCP Monthly Payment (£)

PCP Total Payment (£)

HP Monthly Payment (£)

HP Total Payment (£)

£5000

48

Poor

19.9%

95.96

6355.91

147.63

6355.91

£7000

48

Poor

19.9%

134.34

8898.27

206.68

8898.27

£8000

48

Poor

19.9%

153.53

10169.45

236.2

10169.45

£10000

48

Poor

19.9%

191.91

12711.81

295.25

12711.81

£15000

48

Poor

19.9%

287.87

19067.72

442.88

19067.72

£20000

48

Poor

19.9%

383.83

25423.62

590.5

25423.62

HP & PCP car finance in Edinburgh

Hire Purchase (HP) and Personal Contract Purchase (PCP) give you two clear ways to finance a car in Edinburgh. Both let you spread the cost over time, but the end results are different:

  • Hire Purchase (HP): You make fixed monthly payments. Once the final payment is made, the car is yours. Simple, with no surprises.
  • Personal Contract Purchase (PCP): You pay lower monthly amounts. At the end, you choose to return the car, pay a final lump sum (balloon payment) to keep it, or part-exchange it for something new.

Choose HP if you want to own the car outright. Go for PCP if you like lower payments and changing cars more often. Carboom works with a wide network of lenders and dealers across Edinburgh and the UK to help you secure either option—even if you’ve had credit issues in the past.

No deposit car finance deals in Edinburgh

Carboom offers no-deposit car finance in Edinburgh, letting you get on the road without paying anything upfront. This type of finance removes the need for a large initial payment, making it easier to manage your budget from the start. You spread the cost through monthly payments while keeping your savings intact. Even with bad credit, you can still apply. We work with a broad network of lenders and local dealerships to provide flexible, accessible deals. If this sounds right for you, now’s the time to explore your personalised quote.

What do I need to apply for car finance in Edinburgh?

Applying for car finance in Edinburgh is simple when you have the right documents.

You’ll need:

  • Proof of ID – A valid passport or driving licence
  • Proof of address – A recent utility bill or bank statement
  • Bank statements – Usually from the last three months
  • Payslips or proof of income – If self-employed, tax returns or invoices may be required
  • Small deposit (if required) – Some lenders offer no deposit car finance

Car dealerships you can find your next car in Edinburgh

  • Cars4You

    50 Murrayburn Rd, Edinburgh EH14 2SN, UK +44 7802 436732

  • Redpath & Maclean

    67 Salamander St, Leith, Edinburgh EH6 7JZ, UK +44 131 554 9969

  • Mackinnon Motors

    2-4 Clockmill Ln, Edinburgh EH8 8HY, UK +44 131 652 0330

  • Alba Motor Co Ltd

    46 Balcarres St, Edinburgh EH10 5JQ, UK +44 131 447 7447

Why do you have to finance your next car with us in Edinburgh?

Get your car finance

Check your eligibility for car finance deals with no impact on your credit score

Buy a car from any dealer

Once approved, collect or get your vehicle delivered to you.

Carboom quality assured

We’ll do a thorough car check, full-service history and dealer check. Buy with confidence.