Can you get a Range Rover with bad credit?

If you have bad credit and have considered owning a Range Rover you have a few options to choose from.

In this article, I’ll share my insights on how to finance your dream vehicle even if your credit score is less than perfect.

Understanding bad credit and financing

Before we dive into ways to get finance with bad credit, let’s first define what bad credit is. A bad credit score typically falls somewhere between 300 and 629, while a good credit score is generally considered to be 670 or higher.

Your credit score is based on factors such as your payment history, debt-to-income ratio, and length of credit history.

If your credit score is considered bad, it will be more challenging to get approved for a car loan, and you may end up paying higher interest rates.

But don’t let bad credit deter you from getting the car of your dreams. There are ways to improve your credit score and secure financing, even if your credit history is less than ideal.

Best brokers for bad credit

RankUnited KingdomUnited States
1.Midland Credit LtdPending…
2.Match Me Car FinancePending…
3.Marsh FinancePending…
4.Auto FunderPending…
5.Car Loans UKPending…

Ways to get a Range Rover with bad credit

1. Improve your credit score

The very first thing you should be considering to do is trying to improve your credit score prior to signing any hire purchase or loan agreement.

While it may take some time, improving your credit score can make a significant impact on your ability to get financing.

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A few ways to improve your credit score include paying bills on time, reducing your credit card balances, and limiting new credit inquiries.

By improving your score, you can increase your chances of being approved for a loan and get better financing terms.

2. Find a co-signer

A co-signer is someone with good credit who agrees to take responsibility for the loan if you default.

This person could be a family member or close friend who trusts you and has good credit.

Having a co-signer improves your chances of being approved for a loan and maybe a way to get a lower interest rate.

3. Consider a used Range Rover

While a brand new Range Rover might be your dream, consider buying a used Range Rover instead.

In general, used cars are typically cheaper and can often be financed with less money down.

Additionally, if you make payments on a used Range Rover on time, it could help improve your credit score.

You you can only consider hire leasing a Range Rover if your credit score is very good or you will not get approved.

4. Look at different financing options

While traditional banks may not be willing to finance a vehicle with bad credit, there are other financing options available.

Some car dealerships offer in-house financing, which can be a good option for those with bad credit.

There are online lenders that specialize in bad credit car loans.

These lenders will always have higher interest rates, but they can still get you the financing you need.

5. Shop around and compare

Don’t settle on the first financing offer you receive. Instead, shop for different loan options and compare interest rates and terms.

By doing so, you can find the best financing option for your situation and potentially save money in the long run.


While bad credit can make securing financing for a Range Rover more difficult, it doesn’t have to stop you from getting the car of your dreams.

By following these strategies and improving your credit score, you can increase your chances of getting approved for a car loan and get behind the wheel of a Range Rover in no time.

Remember to be patient, shop around and don’t forget to take good care of your new vehicle once you’ve secured financing. With a little hard work and diligence, you can make your Range Rover dreams a reality.

Last updated and verified on 4th September 2023

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Gareth Boyd
Gareth Boyd

An avid Land Rover fan, and lover of all models, specifically Range Rover Sports. Having owned over 5 Ranger Rover models, he has encountered every error code and problem you could imagine!

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