Dear Abigail, thank you for your question.
As far as I’m aware, with most banks a student overdraft doesn’t affect your credit rating. Usually you have a few years to pay this off post graduation before it impacts upon anything, so on that front you may be ok. When you say you pay all of your direct debits on time, does this include a mobile phone contract? Do you have a bank account? Also, are you on the electoral roll? If so these things will help us to find you an approval.
If you are concerned, or do not fit the criteria outlined above, you could always apply with a guarantor. This is likely to increase your chances of approval. The guarantor must have lived in the UK for 3+ years, be a home owner, and have excellent credit.
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