There is no specific credit score number or rating that need to have to get car finance in the UK. This is because there are three different credit reference agencies in the UK, and each one calculates your credit score differently.
You can see below the credit score ranges that each agency uses:
The higher your credit score is, the better your chances of getting car finance. Factors such as a recent change of address, missed payments or not being on the electoral roll will affect your score. It might be worth finding out if you have a good or bad credit score and what this looks like for you.
But don’t worry, if you do have bad credit it doesn’t mean that you won’t be able to find car finance. You might find it more difficult to find a lender. Fortunately, improving your credit score is one of the many things you can do to increase your chances of getting car finance.