Credit & affordability
Poor credit car & van hire — all credit welcome
A poor credit score doesn’t shut you out of getting on the road. Short-term car and van hire is far more accessible than finance, all credit is welcome, and a guide quote from us never needs a credit check. “Poor” sits around 561–720 on Experian or 0–438 on Equifax — but for hire, your overall circumstances matter more than the band.
Free, no obligation · No credit check to get a quote · All credit welcome
UK credit score bands, by agency
Each agency uses its own scale and bands, so the same person can sit in different bands on each. These are a guide — check your own report, as agencies revise them.
| Agency | Scale | Bands (low → high) |
|---|---|---|
| Experian | 0–999 | Very Poor 0–560Poor 561–720Fair 721–880Good 881–960Excellent 961–999 |
| Equifax | 0–1,000 | Poor 0–438Fair 439–530Good 531–670Very Good 671–810Excellent 811–1,000 |
| TransUnion | 0–710 | Very Poor 0–550Poor 551–565Fair 566–603Good 604–627Excellent 628–710 |
How poor-credit hire works
You enquire, we match you to a rental partner that considers poor credit, and they confirm the vehicle, price and terms. Because it’s a rental, the decision rests far less on your score than a finance application would.
We’re transparent that we’re an introducer and may earn a commission — you’re never charged, and there’s no pressure.
Will hiring help or hurt my credit?
Enquiring with us leaves no footprint. Most short-term rental agreements aren’t reported to the credit agencies the way a loan is, so hire is unlikely to change your score either way — it’s simply a practical way to get a vehicle while your credit recovers.
How we work: we’re an introducer, not the rental company or a lender. We match you to a vetted short-term rental partner who confirms the final price and terms. You’re never charged to enquire, there’s no credit check to get a guide quote, and we tell you who we’re matching you with. This is short-term vehicle hire, not finance — no APR or credit agreement applies.
This is general information about short-term hire, not financial advice.
Questions, answered
What counts as a poor credit score in the UK?
It varies by agency — roughly 561–720 on Experian, 0–438 on Equifax, or 551–565 on TransUnion. Each uses its own scale, so check your own report. For hire, a poor band is far less of a barrier than for finance.
Is there a credit check to get a quote?
No. Getting a guide quote from us involves no credit check and leaves no mark on your file — we’re an introducer, not the rental company. A rental partner may run its own checks later, only with your permission.
How long are the hire terms?
Flexible short-term hire, roughly 6 to 36 months, with home delivery available. It’s a rental, not a multi-year finance agreement, so you’re not locked in.
Tell us your situation — we’ll match you
One short form, no credit check to get a quote. We’ll find the right short-term rental partner, usually the same working day.
Check my options →Related
Guide information · last reviewed August 2026. Your credit score and circumstances are personal — check your own credit report, and a rental partner makes the final decision.