Yes, you can get car finance with a previous default. However, it may be more difficult to find a lender.
If you have a default, it means that you’ve missed (or defaulted on) payments in the past. You will know if you have a default as you will have received a notice of default. That will have been added to your credit file.
A default can impact your credit score and could make it harder to get car finance. Luckily, there are a variety of things you can do to resolve this and increase your chances of getting finance.
Adding a ‘Notice of Correction’ to your credit file may help your chances of approval. This is a statement of 200 words where you can give an explanation as to why the default happened. Lenders can use this to understand your circumstances when reviewing your finance application.
You should also try to settle any outstanding debt with your lender. Try to arrange a payment plan to pay off any default balances you have. By doing this, you could increase your chances of being approved for car finance.