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Bad Credit Car Finance In Essex

If you are looking for car finance but you have bad credit or you have been refused for finance before, we may be able to help.

At LMC, we look at each application individually, and we know that the past doesn't always reflect where you are now. We work with a number of car finance lenders to give you the best chance of being accepted.

We have worked with customers from a range of backgrounds including:


CCJs are more common than you think. You can have one handed to you due to a change of address or even if you owe a small amount of money. We know that this can make obtaining finance tricky, so we will work with you to complete your application and put you in touch with our specialist lenders.

Missed Payments

If you have fallen behind on payments or struggled to make the date, this can impact your credit rating and leave you with bad or poor credit. We don't think this should affect your future and will work with you to give you the best chance of being accepted for bad credit car finance.


If you have been discharged for at least three months, we may be able to find a finance deal for you. A lot of our lenders appreciate that getting back on the finance ladder is hard and may be able to offer you a finance deal to help you back on your feet.

Self Employed

If you are self-employed, you might struggle to get a good credit rating. We look at all applications individually and take into consideration your circumstances. As it is a personal service, we have the freedom to put you in touch with specific lenders to try and find a deal for you.

Here are just some of the circumstances we can help with.

If you would like more information, please get in touch or fill out our short application form.

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