Cardiff Car Finance
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Credit decision within an hour - We will contact you by phone and in most cases give you a credit decision within an hour. If you live in the Cardiff area and need car finance but have had bad credit in the past then we are here to help you! At Cardiff Car Finance we make buying a car easy for people who have had credit problems in the past.

It's this simple - If you have regular income and run your bank account properly then you have a great chance of a car finance approval with us! We can even help you if you have been refused elsewhere. I travelled to the depot and upon arrival was greeted by a gentleman called Mike. He was a top bloke and was very professional.
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Why choose us? Over the past 10 years we have helped 1000s of people in the UK to get car finance even though they have been refused elsewhere. Our showrooms around the UK are open 6 days a week (Mon - Sat) so that you can buy a car at a time that makes it easy for you. At Cardiff Car Finance we have exclusive funding deals, which means that we can say "YES" even if you have been refused elsewhere.
I travelled to the depot and upon arrival I was greeted by a gentleman called Mike. He was a top bloke and was very professional. I drove away within 1hr 30m, great company who make you feel welcome & I would highly recommend this company to anyone with bad credit. Today we purchased our second car from Cardiff Car Finance, once again the service was quite frankly fabulous.
At Cardiff Car Finance you get to choose your own car and a payment that suit your budget. At Cardiff Car Finance you get a decision within just 1 hour. Knowing your approved takes the hassle out of buying a car and you can then plan your visit to our Cardiff sales depot from where you can test drive and buy your new car.
We understand that despite having bad credit you still need a quality reliable car. That's why you can rely on Cardiff Car Finance to get you the car finance you need, even if you have been refused elsewhere. At Cardiff Car Finance you can expect a credit decision within the hour and once your credit is approved you can buy and drive away your new car the same day.
Please read our treating customers fairly statement below. If you still have a question you can call us on 0800 032 6613 or send us an email using the Contact Us form. We will keep the information on our website up to date and we will make changes where it is found that it does not accurately reflect our business practices or where it does not comply with advertising rules.
Reviews (7)
Jackie Thompson
Jackie Thompson
Apr 28, 2021
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I had a 62 plate zamora off phill the car was only worth £3500 yet he charged £6750 then doubled it for the finance so I ended up paying £12.750 in the first day of having it the vehicle had to have new breaks all round yet it had a 12mth mot on it also it arrived to me after he had crashed it I only know he had crashed it because the bumper still had the grass and mud in it he then promised to fix the damage. Phill then took it to c.a.r.s. crash repair who glued my head light back on and sprayed my wing while still on the car making the paint go under all the seals no offence no one should
Matthew Mitche
Matthew Mitche
Dec 27, 2019
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Phil the salesman absloute joy top bloke done everything he can for me! Made me feel at ease asoon as he greeted me! Any1 have 2nd thoughts dont! Yes u pay abit over the odds but what you expect! Drove away in 2 hours max, Very happy with my new car! Thank you phil top guy :)
Sharon Christopher
Sharon Christopher
Oct 11, 2019
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I Bought A Renault Clio on the weekend from Cardiff Car Fiance and Was greeted By Phil.. Phil went out of his way to help me to purchase the Car and would recommend him to any one.. Phil even went out of his way to Deliver my car to me in time for me to go to work as I had no other way to get to him to Pick It Up.. A very Polite n and down to earth guy A Top Man Tyvm Phil
Steven Jones
Steven Jones
Sep 20, 2019
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I came to Cardiff Car Finance to purchase a car. I had no credit and found it difficult to get a car elsewhere. The salesman made my experience much easier. I was worried I wouldn't be accepted. I bought a car and drove it away the same day!
Shahzad Khan
Shahzad Khan
Jul 19, 2019
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I have nothing but praise for Phil the manager of Cardiff car finance and Rumney Automotive for being so kind and professional.
I had a very small issue with my zafira and the service I received was the best I have had for the last 15 years of my driving.
Phill literary held my hand through out the process of buying the Zafira and the after service was second to none.
I absolutely whole heartedly recommend Cardiff Car finance and would have all my family and friends talk to Phill for any future endeavours.
It's not just about buying the car but the after service, warranty and minor issues which
Sean O'Hanlon
Sean O'Hanlon
Jun 18, 2019
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Very pushy salesman. The cars they had there I wouldn’t give £100 for. Do not buy from this company no matter what.
Lou J.
Lou J.
Oct 26, 2017
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Do not buy a car from this salesman. He sells dud cars and charges too much. And the cars break very quickly. Twice have had to have a flat bed truck to recover a vehicle costing 8,000 within 8 months of having vehicle.