You can get car loans online for people with bad credit, there are specialist auto lenders who specialise in providing auto financing for bad credit. As they have the knowledge and experience to help people in your situation you have a better chance of finding a loan.
Many of the mainstream lenders depend on the credit rating system, this is controlled by a handful of credit rating companies who provide rating information to lenders. Each credit house has its own system of calculating your individual rating, they are not always correct and even the smallest financial indiscretion can be the difference between you being offered auto financing for your car or not.
You may have been refused credit due to your low credit rating as many of the in house auto financiers, banks and other lenders use the credit rating system. You may have a recent bankruptcy or a bad credit history that means you are not approved for auto financing or other credit.
With a bad credit auto financing specialist you may be able to get finance for your new car purchase where you were denied before. Rather than looking at your credit rating by running a credit check they look at your current ability to repay any loans.
You will usually have to prove that you are a UK resident and that you are currently in employment or have a consistent source of income such as from being self employed.
There are a number of ways you can apply for auto financing for bad credit, the easiest option is online. There are a number of companies that can lend you the money directly so as you can purchase your car. Alternatively there are car dealerships that have access to bad credit lenders, these are also available online.