No credit check
car finance

Get car finance with a soft credit search

A soft credit check lets you see if you can get car finance without impacting your credit score. At Carboom, we only run soft searches first, so there’s no mark on your credit file.

Soft checks give lenders a general idea of your finances, like your income, spending, and credit history. This helps them decide if you might qualify for car finance—without a full check that could affect your credit score.

If you go ahead with an application, the lender will run a full credit check, which will show on your credit file. Starting with a soft check means you can avoid unnecessary hard searches that could lower your score.

Use our finance calculator to get an idea of your monthly payments. This way, you can see the costs upfront before applying.

No credit check car finance for those with bad credit scores

You can still get car finance even with a bad credit score. At Carboom, we help drivers secure finance without unnecessary hard credit checks that could impact their credit file.

Our process starts with a soft credit check, so you can check your eligibility without affecting your credit score. This means you won’t face multiple hard searches that might lower your rating.

We specialise in bad credit car finance, working with lenders who look beyond just your credit history. Whether you’ve missed payments or have irregular income from self-employment, we’re here to help.

Do I need a credit check to get car finance?

Yes, most car finance applications require a credit check, but there are options even if you have bad credit or no credit history. At Carboom, we work with a range of lenders to help you secure car finance, no matter your credit profile.

We know that not everyone has a perfect credit history. If you’ve missed payments, had financial struggles, or are self-employed, we focus on finding solutions that suit your situation. Our soft credit check process lets you check eligibility without affecting your credit score.

If you decide to go ahead, a hard credit check will be needed to complete the application. However, by starting with a soft search, you lower the risk of multiple hard checks affecting your credit file.

Hard credit search vs soft search

A soft credit search lets you check your eligibility for car finance without affecting your credit score, while a hard search leaves a visible mark on your credit file. At Carboom, we start with a soft search to help you explore car finance options without risk.

Here’s the key difference between the two:

Who is eligible for no credit check car finance?

How to get a car with no credit check?

Getting a car with no credit check at Carboom is simple, even if you have bad credit. Here’s how to get started:

• Use the finance calculator – Estimate your monthly payments and total loan amount to find a plan that fits your budget.
• Start the application – Apply online by providing your personal and financial details. This begins with a soft credit check that won’t impact your credit score.
• Submit documents – Complete the necessary paperwork and submit any required documents for verification.

Carboom works with lenders who assess affordability, helping you secure finance even with a bad credit history.