I am A Housewife, Can I Apply For Car Finance?

Hello Rachel, I am a housewife and my partner was made bankrupt a year ago but he is the only earner. Can we get finance in my name even though i have poor credit?

Asked by Lindsey
January 14, 2012

Hi Lindsey, thank you for using our Q&A.

We can help housewife's get car finance but this is a tricky situation if i'm honest. If you had good credit it wouldn't be an issue but, as you say you have poor credit the lenders we use will look for proof of income - as you have none they wouldn't approve you on your own unfortunately.

The only chance to get approved is to make a joint application with your husband as the main applicant as he's the one earning a wage.

Please make an application and once approved you can choose a car from any 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.

Employment related questions

I am fully employed through an agency at the moment but this should be made permanent at the beginning of July. Would this go against my application?

Asked by Justin Hume
January 14, 2012

Hi Justin, No - this wouldn't go against your application. As long as you can prove your income through payslips from the agency then you'd be eligible for car finance. Do you have a good, average or poor credit history? Regards, Rachel

I have worked for 2 agencies in the last 2 years in the automotive industry. Due to pay incentives i have moved to a better paid agency. Would this go against any application for finance for a car?

Asked by Paul Griffin
January 14, 2012

Hi Paul, thanks for the question. We can help agency workers and as long as you have 3 months payslips we'll be able to get you car finance if approved. So, in answer to your question moving agency for more money won't effect your chances of being approved. Kind Regards, Rachel

Hi, my son is has been employed by an agency for about 2 years. Would he be able to get finance for a car?

Asked by Alex
January 14, 2012

Hi Alex, as long as your son has a UK bank account and driving licence and can prove his income with payslips or bank statements then we should be able to get him finance.

It doesn't matter if he's an agency worker as the good news is that we have lenders on our panel that can help. Does your son have a good or bad credit rating / history? 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

Hi, I'm on disability benefits ESA and DLA but not mobility component.

I have a less than good credit history. Can I still get finance? I've been on these benefits since May 2010. Thank you.

Asked by Lisa
January 14, 2012

Hi Lisa, thank you for your question.

The good news is that we do help people on ESA & DLA get car finance and we also have lenders that help people with bad credit.

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

I just passed my driving test but I can't afford to buy a car. I've got a bad credit history & I'm not working.

I do get child tax credits and income support - would I be able to get a car on this?

Asked by Nadine
January 14, 2012

Hi Nadine, thank you for your question.

Firstly, congratulations on passing your driving test. Secondly, the good news is that we do have lenders on our panel that help people who have bad credit and are on benefits get car finance.

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

Hi, I'm currently on ESA due to ill health and I am applying for PIP (the old DLA). I also drive for a voluntary organisation and have a regular contract which brings me in mileage expenses each week. I really need another car as mine is over 14 years ol

Asked by Chris Anderson
January 14, 2012

Hi Chris, thank you for your question. Good news! We actually work with a few lenders that are able to help customers who are on benefits and have bad credit, so we may be able to help. 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

Hello, I am just training to be a private hire driver whilst still working employed full time. I am a local council tenant with a poor credit history, looking for a 2 year old or less Vauxhall Insignia with low miles. I also have a £1000 deposit. Could yo

Asked by Tony Brown
January 14, 2012

Hi Tony, thank you for your question. As you have a large deposit and are currently working i'm confident we can get you approved as we do have lenders on our panel that help individuals wit a poor credit history get car finance. Please make an application and once approved you can choose a car from any dealer and we also provide a no obligation quote. Kind Regards, Rachel

I have heard that it is possible to buy a new car on a hire purchase in my wife's name and to be driven by me as a taxi with a deposit as low as £250 (admin fee). Once half the sum borrowed has been repaid i can then return the car to the finance company

Asked by Derek
January 14, 2012

Hi Derek, if your wife has good credit we can get her approved for car finance and all we'd need is her driving licence to fund the deal. What you have asked in your question is not what the finance companies want to hear but yes it is possible to hand your car back when you're 50% of the way through your agreement (it's called voluntary termination). However, to qualify you need to have made all your monthly payments on time each month. Regarding your last point i'm not sure whether this is possible to have 2 cars on finance. It's highly unlikely anyway. Regards, Rachel

Hi, my question is, I'm two and a half years into an IVA and i'm in the last month of a £360 per month car hire purchase agreement which was kept up for 48 months. I need to upgrade my car as it is used as a taxi. It is still in good condition and can be

Asked by Hamilton Douglas Mcc
January 14, 2012

Hi Hamilton, thank you for your question and apologies for the delayed response. The good news is that we do have lenders on our panel that help people in IVA's get finance. As you're a taxi driver we'll need to see 3 months bank statements proving your income. As long as this isn't an issue we should be fine. The deposit in your part ex will also help. Please make an application and once approved you can choose a car from any dealer and we also provide a no obligation quote. Kind Regards, Rachel

Hi, i am a private hire taxi driver and looking for a decent car. But the problem is my credit history . However, i don't have any ccj's or bankruptcy. I can afford £200 to £250 p/m. Can help me out plz give me a call. Thanks

Asked by Asif
January 14, 2012

Hi Asif, we do have lenders that approve private hire drivers so please make an application online and we'll go from there. Thank you. 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).

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