car credit with bad credit record

[astonsmummy]

are there any car finance companys who dont overcharge credit risk customers

[PrinceRainie]

Simple answer is not really....
If you are a "credit risk" then they will apply what is known as "rate for risk"..in other words will charge you are rate which is appropriate for the risk they take in lending you the money!!!
They will still charge you a higher rate of interest, even though the loan is secured on the car!!!