Chat with us, powered by LiveChat Good Credit Car Finance - Red Potato

Good Credit Car Finance

Your credit history can often be a major factor when looking for car finance approval. Having a good or fair credit score means that most lenders will consider lending money to you, However, choosing the best option for you might be confusing. That’s where Red Potato could help.

Find Car Finance Today!

We could help take the confusion out of car finance.

  • No deposit
  • No broker fees
  • Free car history and value check
  • Expert advice

Apply for Finance

Car finance with good credit

Many people that have good credit will get offered a wide range of options when searching for car finance; as people with a good credit score will have shown that they have historically managed all their finances well. Here is where Red Potato could help, we will search through our panel of lenders offering the best option for you. Our specialist team are dedicated to helping you find the right finance solution based on your circumstances.

Apply Now!

Car finance with fair credit

So why might you have a fair credit score?
It might simply be because you’ve moved address recently and aren’t on the electoral roll. You could have a CCJ that dates back several years, or perhaps a default on your credit file. You may even have missed some payments historically, and because everything stays on your credit file for 6 years, this may still be affecting your credit score today.
It takes a while to rebuild your credit score after going through financial difficulties, so if this sounds like you then don’t panic – you’ll still be able to get the finance you need. All you need is the right lender!

Apply Now!

Applying for a car loan

When you apply for good or fair credit car finance with Red Potato, our lenders will take your credit score into consideration but also base their decision on your current financial circumstances and your ability to repay the loan.

We can’t guarantee car finance approval in every case, but we’ll always try our best to help regardless of your financial situation.

Our easy application process

Applying for car finance through Red Potato is quick and easy!

If you would like some more information on how it works click here

What information is on your credit file?

Your credit report holds personal information about you including your address, previous addresses and electoral roll information. It also holds a variety of financial information including credit cards, loans, mortgages and overdrafts in your name, as well as any missed or late payments you may have had.

Your credit file will also hold any public records such as County Court Judgements (CCJs), bankruptcies or insolvencies. In addition, your credit file also includes information about your financial associates (this might be someone you have a joint mortgage or bank account with).

Remember, your partner's financial behaviour can be taken into consideration when applying for credit.


Unsure of your credit score?

If you're unsure about your credit score, the best thing to do is check online . There are a number of websites that you can use to get a free credit check including Experian and Check My File.

Money expert Martin Lewis suggests checking your credit score annually. In this article on the Money Saving Expert site, he provides information on the importance of your credit score and what you can do if it is low. We have also put our own article together on how to better understand your credit score and what you can do to improve it.


Apply Now!


Finance only options

If you’ve already found the perfect car and just need help with the finance, then we can still help. All we need is basic details of the car and dealer as part of your application. We will then take care of the rest!

Apply for car finance


Calculate what you could borrow


Rate of interest (Fixed) Per Annum 16.24%. Representative 29.9% APR

Representative Example: Borrowing £5,500 over 48 months with a representative APR of 19.9%, the amount payable would be £162.34 a month, option to purchase fee £10.00, with a total cost of credit of £2,302.32 and a total amount payable of £7,802.32

Amount of interest £0
Total payable £0
Monthly payable £0

Apply for Finance

This website is operated by Premium Plan Limited. Red Potato is a trading name of Premium Plan Limited, which is registered in England with Company No 05977118. Registered office: Kempton House, Kempton Way, PO Box 9562, Grantham, Lincolnshire, NG31 0EA. Premium Plan Limited is authorised and regulated by the Financial Conduct Authority (FRN: 742272). The Red Potato name and logo are trademarks of Totemic Limited. Premium Plan Limited is a member of the Finance & Leasing Association (FLA).