Car Finance for Poor Credit | CCJs | Defaults | Self-Employed | FCA Approved | 29.3% Representative APR

At STB Motor Company in Sheffield, South Yorkshire, we believe that your past financial difficulties shouldn't stand in the way of driving the car you need. That’s why we specialise in helping customers secure bad credit car finance with affordable, flexible packages tailored to their unique circumstances.

If you’ve been refused elsewhere due to poor credit, CCJs, defaults, bankruptcy, or self-employment, we may still be able to help. We’ve helped hundreds of customers across Sheffield, Rotherham, Barnsley, and beyond get the vehicle they need—regardless of their credit history.

✅ Car Finance for Bad Credit in Sheffield – We Can Help!

At STB Motor Company, we understand that life happens—missed payments, job losses, or unexpected expenses can affect your credit rating. That doesn't mean you should be locked out of affordable car finance. Our dedicated team works closely with a carefully selected panel of specialist lenders who are willing to look beyond your credit score and assess your current situation instead.

We’ve been arranging car finance in Sheffield for many years, and our goal is simple: to help you find the right finance deal to suit your needs, budget, and lifestyle—quickly and efficiently.

💳 Who Do We Help?

We may be able to help you secure car finance even if you have experienced any of the following:

• Poor credit / low credit score
• County Court Judgements (CCJs)
• Defaults on loans or credit cards
• Discharged bankrupt
• Self-employed with limited proof of income
• Receiving benefits or Universal Credit
• Holding a provisional driving licence
• Currently unemployed but with a regular income source

Our team treats every enquiry with discretion, professionalism, and understanding, and we’ll never judge your past. Instead, we focus on building a path forward to car ownership that works for you.

🚗 How Does It Work?

Getting started is easy. Simply fill in our secure online finance application form, and a member of our team will get in touch to discuss your options. Alternatively, you can call us on 0114 231 5740 for a confidential chat.

We’ll assess your application and match you with a suitable lender who is more likely to accept your circumstances. Once approved, we’ll help you choose from our wide range of quality used cars, all of which are HPI checked, professionally prepared, and come with a warranty as standard.

🔒 FCA Approved and Trusted in Sheffield

STB Motor Company is fully authorised and regulated by the Financial Conduct Authority (FCA), meaning we operate with full transparency, integrity, and professionalism. We’ve undergone a rigorous approval process to ensure we meet the highest standards when arranging finance for our customers.

We are upfront about the terms of your agreement, including any commissions we may receive, and the APR you are offered will always depend on your individual circumstances. Our current representative APR is 29.3%.

Why Choose STB Motor Company for Bad Credit Car Finance?

• ✅ Specialist in bad credit car finance in Sheffield
• ✅ Fast approvals, even if you’ve been declined elsewhere
• ✅ Work with lenders who consider all financial backgrounds
• ✅ Transparent rates – 29.3% Representative APR
• ✅ Friendly, understanding team with no judgment
• ✅ Secure online finance application process
• ✅ FCA-authorised used car dealer
• ✅ Wide range of reliable used cars with warranty included

Apply for Car Finance Today – Drive Away with Confidence

If you need bad credit car finance in Sheffield, don’t let your past stop you from moving forward. At STB Motor Company, we’re here to help you get approved, get on the road, and get your life moving. Start your application online or call us today for free, friendly advice from a team that cares.

STB Motor Company – Bad Credit Car Finance Specialists in Sheffield, South Yorkshire

29.3% Representative APR | FCA Authorised