A banner image showing the Red Potato logo, a car lot, a man and woman viewing cars and a set of keys being passed from one person to another

Red Potato are Specialists in helping customers get car finance even with a bad credit history

Do you have a CCJ but still need a car loan?

  • Our Soft Credit Search does Not affect your credit score
  • Online Initial Decision in Minutes - No Upfront Cost
  • We can still consider you even if you have a CCJ
  • NO DEPOSIT required
  • We have thousands of cars in stock
  • Or choose your own reputable dealer if you have already found your car
  • All financial circumstances considered including CCJs, IVAs, Bankruptcy, Debt Plans or Missed Payments
  • Rates start from 19.9% APR - 29.9% APR Representative
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How do I get my perfect car?

Follow the quick 3 steps below to find out if you would be accepted - No impact to your Credit Score, No obligation - An initial decision online in minutes!

Traffic light image explaining step 1, 2 and 3 of the car finance process

Representative Example

Loan amount of £7,500 with a monthly repayment of £191.63 over a term of 60 months at a rate of 10.66% interest per annum (fixed). This is equivalent to 19.9% APR representative. Interest repayable is £3,997.80 with an option to purchase fee of £10.00.  Total amount repayable is £11,507.80.

I have bad credit; will I be able to get car finance?

Don’t despair! At Red Potato, we understand that there can be lots of reasons for a poor credit profile. We work directly with you with our partner's fleet of used vehicles, or if you have already found your perfect car, and it's from a reputable dealer, we can also help with just the financial side.

We have a car to suit all people's situations and budgets

Your past credit history could be the result of CCJs, mortgage defaults, IVAs or bills that have been paid late. It could be that you’re self-employed, with no proof of income, or that you simply haven’t built up a credit history yet.

Whatever the reason, we look at every case individually, without judgement and with the aim of finding you car finance that is affordable and suitable for your circumstances.

Also, our initial application only requires a soft credit search, this means it will not be shown on your credit file and will not affect your credit rating.

Check your credit score for free here


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Calculate what you could borrow

Our Car Finance Calculator can help you work out the cost of your monthly repayments based on your car budget.


Smooth transfer, no issues

Friendly, efficient service with flexible methods to accommodate my unique needs. Would use again without a doubt. Well done Red Potato!
Rebecca Nicholas

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‘What is a soft credit search?’ A soft credit search enables us to understand your circumstances and ensure we are able to proceed with your application for car finance. The search differs from a hard credit search because it does not leave a footprint on your credit file which is visible to other lenders. ‘Why do we carry out a soft credit search?’ We are regulated by the Financial Conduct Authority and the finance provider we work with has a duty to lend responsibly to customers without potentially causing financial hardship. The soft credit search gives us a snapshot of your current and most recent financial circumstances so we can make sure that your application meets the finance provider’s eligibility criteria. If there are no immediate causes for concern we can progress your application with the finance provider who will complete affordability checks.

Thank you for your application

Thank you for your application.

One of our friendly advisers will be in touch shortly to discuss the next steps to finding you finance!

We have a range of over 10,000 vehicles to choose from nationwide, so we’re sure we’ll have the perfect car for you.

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).