Yes, dealers do finance bad credit — they just charge for the privilege, sometimes like a wounded bull.
Look for dealerships that advertise “second‑chance” or “specialist” finance, but compare the comparison rate, fees, and any balloon payment like your wallet depends on it (because it does).
Get a pre‑approval from a broker or lender to keep the numbers honest, bring proof of stable income, and a deposit helps more than a motivational quote ever will.
Avoid add‑ons rolled into the loan, check for early‑payout penalties, and make sure the repayments fit your budget even if rates tick up.
If you’re browsing on Tradingpost, shortlist a few cars first, then have the finance conversation — not the other way round.
And check your credit report for mistakes before you apply — easy win, no spanners required.
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