Fortunately, there are companies who specialise in car finance for people who have suffered credit problems in the past. Even if you have had CCJs, defaults, arrears, have been bankrupt, been refused elsewhere or are self employed, there are companies who should be able to help you purchase a newer car on credit.

Car finance was at one time the preserve of the motor dealer, today a number of institutions offer all types of car finance schemes, with some specialising in assisting people with low credit scores.

Some companies simply provide the finance and allow you to purchase your new or used car from virtually any dealership nationwide, while others provide a complete service where you select a car from one of their showrooms.

These companies generally offer you quality assurance in the form of a HPI vehicle check for insurance write-off or outstanding credit; full MOT; vehicle inspection covering bodywork, wheels and tyres, brakes, electrical, engine, transmission and safety equipment. You usually have the option to use your old car as deposit or part exchange.

So whether you want a hatchback, saloon, coupe, people carrier or van, use the search facility above to find companies providing car loans to people with bad credit history.