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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 you accept DLA as Guaranteed Income for Car Finance?

Hi, do you accept benefits such as dla as a guaranteed income for car finance?
Asked by michelle flanagan
August 27, 2011
Hi Michelle, thank you for your question.

Yes - we do have lenders on our panel that take into account DLA benefits as a form of income. Is your income purely from benefits or do you work part time too?

Please make an application and once approved we provide a no obligation quote and you can buy a car from any dealer in the UK. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 112 People

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.


Income related questions

Hi, I currently have poor credit as I went through a rough patch in last couple years. But I am now in full-time employment with a £70K salary but I have built a deposit. I wanted to know what my options were to get credit for a car loan? I appreciate any

Asked by Archie
August 27, 2011

Hi Archie, thank you for your question. As you are now employed, have a deposit and a large income, I'm pretty confident that we can help as we have many lenders that approve people with past credit problems. Please make an application and if approved you can choose a car from any reputable dealer. Kind Regards, Rachel

Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 7 People

I earn 6 figures but I take a minimum wage and dividends. I have a CCJ satisfied in 2011, 3 defaulted accounts which are also satisfied in 2011. I went through a bad patch. I am on electoral roll and have an accountant. I have a BMW 525 to P/X (bought 200

Asked by Felix
August 27, 2011

Hi Felix, apologies for the delayed response. We do have lenders that can help those with poor credit histories with finance, so we would be hopeful that we could help. In regards to the rate that you will receive if approved, this will be determined by the lender we can get you accepted with. What is your part ex worth (approx) and how much are you looking to finance? As you take dividends we'd need your accountant to write a letter to confirm your earnings. You are on the electoral roll which will help too. Please make an application and if approved, you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 16 People

I am 18 years old, on Jobseekers Allowance and have recently passed my driving test. Can you advise me if there any options for car finance?

I am on the electroral list, have a bank account, but I don't have any loans, or store cards.

Asked by Mark
August 27, 2011

Hi Mark, thank you for your question.

As you're 18, on the electoral roll and have some credit history (UK bank account) there is a possibility that we can help as we have lenders on our panel that approve people who are on JSA. However, due to your age and lack of credit history we may struggle a little. To give ourselves a better chance of obtaining an approval would you have a guarantor to add to the application at all (friend or family member)?

Either way 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
Tim Carpenter Car Finance Expert

Liked by 22 People

Hi Rachel, my mum and dad wouldn't be an option as they both have poor credit ratings. The only option would be my brother. He is 21, in employment, has a bank account and currently has a loan that has he has maintained payments on. I wouldn't be lookin

Asked by Mark
August 27, 2011

Hi Mark, purely based on his age.
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 6 People

Hi Rachel, I am looking to borrow around £3000 and have around £500 available for a deposit. I do not have a job, I haven't been in employment for approximately a year, I receive JSA, I have been on the electoral roll for over 3 years and had my bank acco

Asked by Billy
August 27, 2011

Hi Billy, thanks for your question. As you have a deposit, are on the electoral roll, have a UK bank account and can use your father as a guarantor we do have a chance of getting you approved for £3000. Please make a joint 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
Tim Carpenter Car Finance Expert

Liked by 5 People

Hi Rachel Can I ask why?

Asked by Mark
August 27, 2011

Hi Mark, purely based on his age.
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 5 People

Hi, i'm on income support and i am 20 years old. I hold no licence. Would i be able to apply but have a friend as the named driver of the vechicle but i'll be the one on the financing the agreement?

Asked by Sam
August 27, 2011

Hi Sam, unfortunately not as you'd need a driving licence.
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 3 People

I am on income support, i have a drivers licence, but i'm only 18 so, i don't exactly have a proper credit rating as i haven't had chance to build it up. Would there still be a possibility of me getting a car on finance?

Asked by Netalia Nottingham
August 27, 2011

Hi Netalia, thank you for your question.

We do have lenders on our panel who help people on income support and those with little credit history. As long as you have a UK bank account there is a chance we can help. If you had someone to apply alongside too that'd help our chances.

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
Tim Carpenter Car Finance Expert

Liked by 6 People

I'm on income support and have a full license can i get finance?

Asked by Angie
August 27, 2011

Hi Angie, if you have a good credit history we could help - is this the case?
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 2 People

Hi there, Is it possible to get a car on finance if you are on income support?

Asked by elaine
August 27, 2011

Hi Elaine, thank you for your question.

Yes you can get car finance if you're on income support as we have lenders who take benefits into account when approving car finance.

You may need to prove your income with bank statements and it may improve your chances of you have someone else to apply alongside although this isn't mandatory. I take it you have a full UK licence and UK bank account?

Please make a single or joint application here 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
Tim Carpenter Car Finance Expert

Liked by 22 People

Can't find the right answer?

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* 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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