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Win your car finance with CarFinance 247


If you win, we'll pay off the finance on your car. It's that simple! Your car becomes completely yours, free and clear.

This amazing offer is open to anyone who has secured car finance with us throughout 2023, including Decemeber 2023!

This means that there's still time to enter, get your finance in December, and you're automatically in!

The lucky winner will be announced the week beginning 5th February 2024 on our instagram page.

Terms and Conditions apply.

Do I Need to be Employed to Apply for Finance?

Tim Carpenter
Written by Tim Carpenter

Whether you’ve made the decision to retire, leave work to focus on childcare, or found yourself temporarily out of work, being unemployed can make it harder to find car finance. But that doesn’t mean it’s the end of the road.

Here at CarFinance 247, we know that a car can be an essential when you’re unemployed. You might need a car to get the kids to school or make an urgent hospital appointment, and it might even be difficult to find a new job without access to a vehicle to travel to work or attend interviews.

The good news is that we work with a panel of lenders, which means we can look to find finance for people with a wide variety of circumstances, including those who are unemployed, receiving a pension, or on benefits.

There are a range of options available, but you may find it easier to secure a loan if you have a good credit score or a deposit to put down. You can find out more about improving your credit score here.

If you’re a homemaker, housewife or househusband, for example, there are lenders on our panel who could provide joint finance or finance with a guarantor.

Even so, we can’t guarantee that we’d be able to help as every lender is different and every loan is based on your individual circumstances. You might see guaranteed car finance being advertised elsewhere but you might want to be wary about anyone making these claims.

Why don’t we offer guaranteed car finance? It doesn’t exist! It’s important to us that we’re open and honest with our customers and we would never guarantee finance to anyone who might find it difficult to secure a loan or keep up with monthly repayments.

Get my quote
Rates from 9.9% APR. Representative APR 19.9%

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Tim Carpenter
Tim Carpenter Car Finance Expert
Get my quote
Rates from 8.9% APR. Representative APR 19.9%




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.

5 years
Total cost of credit £ 2000
Total repayment £ 2000
48 monthly
payments of
£ 245 98

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.

Can't find the right answer?

Our Manchester based team are ready to help you.


* The UK's largest online car finance broker by unique users to the website. Based on Similar Web data – 1,137,647 to CarFinance 247 vs. 753,819 for nearest competitor. January to June 2023.

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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