Skip Content
Sign in to the member area
Coronavirus Update + Support >

I have a provisional driving licence - can i get a car loan?

Hi, I have quite a bad credit rating, is it possible for my girlfriend who has a excellent credit rating but only a provisional license to apply? Many thanks

Asked by Glenn Brayshay

Hi Glenn, thanks for using the Q&A.

I would advise to make a joint application and we'll see where we can get you both approved. I assume the car is for you - if so, you'd have to be on the agreement as the main hirer. We do have lenders that help people with past credit issues and provisional licences so it makes sense to have you both on the application assuming your girlfriend is happy with this. If she is not then we may still be able to help you on your own. Obviously we can't guarantee an approval but we'll certainly try our best to get you approved at one of our large panel of lenders.

I think it'd be best if your girlfriend acts as a guarantor and we tried to get you approved as the main hirer. She would have to be made aware that if you missed any payments it would effect her credit rating so please get her permission before applying for car finance. When is your girlfriend due to take her driving test? Either way i think we can help. How bad is your credit rating - can you expand a little as we have many lenders who help people with bad credit histories?

Please make an application when you can and if approved we provide a no obligation quote and you can buy a car from any dealer. Kind Regards, Rachel

Tim Carpenter
Answered by Tim Carpenter Car Finance Expert Edited on

Liked by 162 People

5 Years
Total cost of credit £ XXX.XX
Total repayment £ XX,XX.XX
48 monthly
payments of
£ 245 98

Rates from 6.9% APR: the exact rate you will be offered will be based on your circumstances

Representative example: borrowing £6,500 over 5 years with a representative APR of 27.4%, an annual interest rate of 27.4% (Fixed) and a deposit of £0.00, the amount payable would be £188.74 per month, with a total cost of credit of £4,824.37 and a total amount payable of £11,324.37

Rates may differ as they are dependent on individual circumstances. Subject to status.

Can't find the right answer?

Our Manchester based team are ready to help you.