What is classed as bad or limited credit?
Bad credit typically refers to a history of missed payments, defaults, County Court Judgments (CCJs), or previous insolvency. Limited credit, sometimes called a “thin file”, means there is very little borrowing history to assess.
From a provider’s perspective, both situations increase risk — particularly where vehicles are newer, higher value, or supplied without a long-term commitment.
Why car subscriptions are harder to get with bad credit
Over the past few years, many car subscription providers have experienced higher levels of damage, unpaid charges, and early returns from customers with poor credit. As a result, acceptance criteria across the industry has tightened.
Unlike traditional leasing, subscriptions rely on short-term access and trust. When that trust breaks down, providers often respond by limiting approvals rather than increasing prices.
Do car subscription companies check your credit?
Most car subscription companies still carry out credit checks, usually in the form of a soft search. While this does not affect your credit score, the provider will still assess your credit profile internally.
A soft check does not mean “no checks”. Providers may still decline applications based on previous payment behaviour or affordability concerns.
What options are still available?
Although options are limited, there are still providers and services that specialise in helping customers with adverse or limited credit. These tend to focus on lower-value vehicles, stricter terms, or alternative approval methods.
You can also read our dedicated guide on car subscriptions and bad credit for a broader overview.
For a wider comparison of providers and acceptance criteria, visit our Car Subscription Comparison page.
Evogo
- One of the few providers still supporting adverse credit cases
- Focus on affordable, lower-value vehicles
- Short-term options available
- Stricter terms compared to mainstream subscriptions
Flexed
- May consider customers with limited or improving credit
- Short-term contracts from one month
- Clear, predictable monthly costs
- Decisions made on a case-by-case basis
No Credit Check Car Lease
- Specialist service for customers declined elsewhere
- Alternative approval routes may be available
- Vehicles and terms can be more restrictive
- Often higher deposits or conditions apply
Frequently Asked Questions
Can I get a car subscription with bad credit?
Possibly, but options are limited. Many providers have moved away from bad credit approvals due to increased risk.
Are car subscriptions easier than leasing with bad credit?
Not necessarily. While subscriptions use soft checks, providers still assess risk and may decline applications.
Will bad credit affect a soft credit check?
Yes. A soft check does not impact your score, but providers can still see adverse information.
Are “no credit check” car subscriptions guaranteed?
No. Even no-credit-check services often apply affordability or alternative risk assessments.
What improves my chances of approval?
Stable income, a clean recent payment history, and choosing lower-value vehicles can improve outcomes.
Disclaimer: The information on this page is provided for general research purposes only and may change or be incomplete. Acceptance criteria, credit checks, and terms vary between car subscription providers and may change without notice. This content does not constitute financial advice. Always refer to individual subscription companies for the most accurate and up-to-date information.
