Do you have to be on the Voters / Electoral Roll to get approved for car loans?

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 ways i can still get finance without it looking bad on my credit score with all the rejections?

Asked by Nik
January 16, 2013

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


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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
January 16, 2013

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
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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

Asked by Theresa
January 16, 2013

Hi Theresa, as you're not on the electoral roll this may cause a few issues as lenders like to see traceability. However the fact that you're in full time employment is a good thing. How is your credit history? Other than your bank account what other credit do you have? Lastly, how long are you planning on staying in the UK and do you have a UK driving licence? Kind Regards, Rachel
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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
January 16, 2013

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
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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
January 16, 2013

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
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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
January 16, 2013

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.
Tim Carpenter
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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
January 16, 2013

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
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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
January 16, 2013

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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Hi, I'm looking for car finance. My credit score is fair on Experian at 767. I have recently ended 2 AP due to a period of unemployment and my monthly income is £2100 after tax and been in a job for 4 months. I have a £4000 deposit and am looking to lend

Asked by Andrew Wade
January 16, 2013

Hi Andrew, thank you for your question. As you're now in employment, have a large income and a fair credit score i'm confident we could get you approved for finance. The amount you earn may limit us to circa £10k-£12k though. Please make an application and once approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel
Tim Carpenter
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Hi, I'm looking to borrow £12,000 for a car. Have just checked with Experian and my credit score is 999. I have no other credit at the moment. I am self employed with no proof of income but know I can manage the repayments. My monthly income is approx £4

Asked by Kat London
January 16, 2013

Hi Kat, as you have a good credit score we may be able to get you approved with a lender that doesn't require proof of income. The deposit will certainly help and it doesn't matter that you're not a homeowner. As long as you're on the electoral roll at your current address and have a UK bank account we should be able to gain an approval for you. Please apply when you get a moment. Kind Regards, Rachel

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