Can you get finance while not on the electoral roll?

Hello, i have very recently just moved address and i'm not currently on the electoral register at my current address. I also have a feeling that i'm still on the electoral register at my old address. Can i still get approved for a car loan?

Asked by Graham S
October 18, 2011

Hi Graham, yes you'll still be able to get car finance even though you're not currently on the electoral roll at your new address. Please put in the last 3 years address history on the car finance application form and our lenders will understand that you've just moved so they won't expect you to be on the electoral register. As long as there's a clear residential history the lenders will be fine. How is your credit history and have you applied anywhere for car finance yet? Please make an application when you're ready and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel

My monthly budget is

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Rates from 8.9% APR. Representative APR 19.9%

My monthly budget is

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Rates from 8.9%: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £10,000 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £255.50 per month, with a total cost of credit of £5,329.80 and a total amount payable of £15,030.

We look to find the best rate from our panel of lenders and offer you the best deal that you're eligible for. We earn a commission for providing our services, but this does not influence the interest rate you’re offered in any way.

Amount to borrow

To pay over

5 years

Assuming your credit profile is:

Total cost of credit	£ 2000
Total repayment	£ 2000

48 monthly
payments of

£ 245 98

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Rates from 9.9%: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £25,000 over 48 months, £3,750.00 deposit, on PCP, with annual mileage of 8,000pa, and a representative APR of 11.9%, an annual interest rate of 11.9% (Fixed), the amount payable would be £394.51 per month, an optional final payment of £7,194.33, with a total cost of credit of £9,912.36 and a total amount payable of £28,444.33.

We look to find the best product from our panel of lenders and will offer you the best deal that you’re eligible for. We earn a commission for providing our services, but this does not influence the interest rate you’re offered in any way.

Documentation related questions

What does being ‘provisionally approved’ for car finance mean?

October 18, 2011

Congratulations - you’ve been provisionally approved for car finance!

But now you’re probably wondering what that means.

A provisional approval – or approval in principle - doesn’t mean it’s guaranteed that we’ll be able to help but it’s a good start.

It means that, based on your application and a soft credit check, one of the lenders on our panel has indicated that they may be able to offer you car finance.

Once you’ve been approved in principle, there are a few different factors that can affect whether you’ll be eligible to secure finance or not. The lender will have their own criteria and will look at your individual circumstances, the vehicle you choose, and further documentation.

Don’t worry; your dedicated account manager will guide you through the process and let you know if any restrictions apply.

Will I be approved for car finance?

If you’ve found it tough to find car finance in the past, it’s understandable that you might be anxious about being approved.

But there’s no need to be nervous; once you’ve completed our online application form, we’ll look to find you the best deal from our panel of lenders and get you a decision in minutes! That way, you can get your finance sorted first and choose a car with confidence from any reputable dealership.

And if you’re looking for bad credit car finance, we could help! Here at CarFinance 247, we work with a panel of lenders so we can look to find finance approvals for people with a wide variety of different credit circumstances.

Not been approved this time? Find out more about being refused car finance here

Hi, I would like to apply with you. But it requires i put three years worth of address history into the application. I have only lived in the UK for 18 months. I do have a fair credit history and do have a credit profile and one or two other things in my

October 18, 2011

Unfortunately, the lenders we work with ask that you have at least three years’ address history in the UK. This is needed so that lenders can determine how much of a risk it might be to lend to you. If you’ve lived in lots of different places in a short time, this could be cause for concern.

However, you don’t need to be a homeowner to apply for car finance with CarFinance 247. Our panel of lenders includes those who can help people who rent their own place, share with housemates, live in work accommodation, or are live with their family or partner.

You must be aged 18 or over to apply for car finance and most lenders will also ask you to supply proof of address, such as a recent utility bill, before issuing a loan.

I have lived in the UK for just over 2.5 years. I have permanent residency and I have been in my current job for 2 years and one month. I did not have a job in the UK previous to my current job. I have had my bank account for 2.5 years. I am an American c

October 18, 2011

No, unfortunately we are only able to help you find car finance if you are a UK resident with at least three years’ address history.

ive recently applied for finance for around 3,000 but got turned down, my credit expert account says my credit score is excellent but as ive moved 3 times in the last two years and not been on the electoral roll i feel this is going against me, is there w

Asked by Nik
October 18, 2011

Hi Nik, You don't necessarily need to be registered on the electoral roll in order to gain finance. However it can go a long way in helping obtain an approval as it shows the lenders you are traceable. It will also help if you re register any active credit to your current address. There may be something we can do to help you. With regards to your credit profile we will run a shallow credit search (to see which woulod be the best lender for you) which should show as an enquiry on your credit profile but this is the only way to see if we could gain you an approval. Kind regards,Rachel

I have a credit score of 718 on experian. I have 1 negative factor of (no successfully settled non-mail order accounts) but that's probably because I've only had my bank account and my mobile contract for just over a month now. My name will be added to th

Asked by Spencer
October 18, 2011

Hi Spencer, as you have such a large deposit we should be able to get you approved. Being on the electoral roll isn't mandatory but can help improve our options. You also seem to have a fair credit score which will help our chances. Please make an application when you're ready and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel

I'm not a hundred percent sure on what my credit rating is, however I'm pretty sure it's not the best. With a history of payday loans & a few small debts that are all paid off behind me. Is it worth me applying for finance or will I be refused straight a

Asked by Katrina Cole
October 18, 2011

Hi Katrina, thank you for your question. We don't require our customers to have perfect credit scores. In fact, we actually work with a number of lenders that specialise in providing finance to those with previous credit issues/poor credit histories, so we may be able to help you. We can't guarantee an approval but we'll certainly try our best. If you have have 3 years address history, proof of income and a licence, then we'd be hopeful of finding a great finance deal for you. Kind Regards, Rachel

I'm not registered on the electoral roll and have been declined car finance recently, although I have 2 contract phones and 2 credit cards of which I have never missed a payment on in the past 6 months. I can't seem to think where any bad credit has come

Asked by Michael
October 18, 2011

Hi Michael, not being on the electoral roll could well be causing you an issue or it could potentially be the amount you're applying for. How much finance do you need? If you have a good credit history (which from what you have said you do) we should be able to get you approved for car finance. I would advise to get yourself on the electoral roll before applying though just to make 100% certain. Finally, is all your active credit (cards and mobile phones) registered to your current address as this strengthens your chances. Please make an application when you're ready and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel

My situation- I'm a retired police officer with a pension of over £15,000 per year. I have lived in France for 10 years. I have had a Santander current account in the UK for over 20 years, but do not have a UK address. In the next six months I will be re

Asked by Nigel Wake
October 18, 2011

Hi Nigel, thank you for your question. Unfortunately, since you do not have a UK address, we can't help you in obtaining a car finance deal, as all of our lenders only help customers who live in the UK. Apologies that we cannot help. Kind Regards, Rachel.

Hi, i'm 22 and have worked full-time for a year now and earn about £15000 per annum. Does my age go against me when applying for car finance and the fact that i only have a years worth of employment? I'm not on the electrol roll but i also have a contract

Asked by Ashley
October 18, 2011

Hi Ashley, lenders do indeed take into account an applicants age when assessing how much to lend or whether to approve a person. They are looking for a good, clean & active credit record so they have some history to base their decision on. This isn't however to say that they can't help you as you're 22. You have a better chance of being approved than someone who's 18 with not credit history whatsoever. The great news is that you have a good income and you have a contract mobile phone. Do you have any other forms of credit in your name? The fact that you also have a large deposit also helps massively so i'm confident we can do something for you. I would however advise for you to get on the electoral roll at your current address before applying. Kind Regards, Rachel

Hi, I'm 26 years old. I have a credit rating of 950 (good) with Experian but I am not on the electoral. My take home after tax is £1850. I have a mobile contract and an overdraft which I rarely use. What finance amounts in your experience do you feel I wo

Asked by Bob
October 18, 2011

Hi Bob, as you have a good credit score we'll be able to get you approved even though you're not on the electoral roll. The amount you can borrow will depend on your income and deposit amount. Can you let me know what this is? Kind Regards, Rachel

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CarFinance 247 is a trading name of CarFinance 247 Limited. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. (Registration Number 06035525).

CarFinance 247 is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 653019). CarFinance 247 is registered with the ICO (Registration Number Z1897658).

Finance is subject to status and is only available to UK residents aged 18 and over. Written quotations are available on request.

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