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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.

Can I Make A Joint Application For A Car Loan?

Hi, i'm in need of a car on finance. I have a full uk driving licence, but do not work, although my partner works full time but does not have a driving licence. My credit score is quite good but my partner's is poor. We have a deposit of £800. Would we stand a good chance of being approved for car finance with a joint application?
Asked by Tasha
April 23, 2012
Hi Tasha, thank you for your question. Making a joint application could potentially help your cause as your partners income could be taken into account depending upon which lender we can get you both accepted with (you'd need your partners permission obviously to add them onto the app). The issue is that your partner doesn't have a good credit history or a driving licence so that does limit us somewhat with our options. We do have the possibility of getting you approved on your own but only if you have a good credit history and some form of income - are you on benefits at all? If not, a joint application is the best way to go. The fact that you have a deposit will help our chances as it shows commitment to the deal from your side and that you have a good credit history. Please think it over and when you're ready please make an application here. If approved we provide a no obligation quote and you can buy a car from any dealer in the UK. Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 106 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.


How it works related questions

I have a poor credit score of 331 (but with no missed payments in my recent history, 2 years+). I've got a deposit of £2,000, and would be looking to borrow £8,000. Would it be possible to get a finance deal with my poor score? and just how high is the AP

Asked by Louise
April 23, 2012

Yes! The good news is that we work with a panel of lenders and some of those can accept joint applications for car loans. Restrictions can apply – some lenders ask that you both share the same address, for example. Get a quote to find out more.

Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 5 People

My partner bought a car recently but due to bad credit the finance for the car is in my name and so are the insurance and registration documents. He would like the registration documents to be changed to his name but I would prefer them to remain in my n

Asked by Fiona P
April 23, 2012

No, unfortunately your partner can’t apply for car finance on your behalf. Every car finance agreement is tailored to the borrower, and the lenders on our panel ask that the person taking out the loan is also the car’s registered owner/keeper and its main driver.

If you’re worried that your credit score might make it difficult to find finance or you’ve been refused elsewhere, we could still help! At CarFinance 247, we work with a panel of lenders so we can look to find loans for people with a range of circumstances. This includes people who have had defaults in the past, claim benefits, or are self-employed.

You might also be able to apply for joint car finance. We work with lenders who can grant joint car loans although restrictions do apply – some lenders ask that both borrowers share the same address, for example.

If your credit rating is good and you’d like to take out finance in your own name, you can still have your partner’s support during the process. You could even give them authorisation to act on your behalf, just let your account manager know.

Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 8 People

Hi, I have recently moved and will be on the electoral role from 1st September as I'm told from the electoral role office. I have a pretty poor credit score of 505 but it is getting better. My partner has a great credit score, so would I be better applyin

Asked by Dougie
April 23, 2012

Hi Dougie, thank you for your question. In short, you'd have a better chance of being approved if you added your partner to the application. However, if you don't want to do this we do indeed help people with poor credit get car finance. Being on the electoral roll isn't mandatory to be honest - it helps but i wouldn't let this stop you from applying. Just make sure you place your new and old address on the application form. 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

Hi, my partner and I are looking for some finance for a car, we are both in full time employment, I am on 30k per year, she is on about 26k per year, her credit is good, as I am only recently back in the country after 20 years in Australia, I do not yet h

Asked by Chris
April 23, 2012

Hi Chris, as you've only just returned from travelling i'd advise for you to apply alongside your partner with their permission obviously. You can make a joint application on our website. Once approved the £3000 - £4000 shouldn't be an issue due to your income. Kind Regards, Rachel

Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 6 People

My wife has good credit history but i'm affraid mine isn't great. I haven't got a CCJ but have missed many payments but i'm now paying ontime! Could my wife apply for a car loan even though she doesn't have a driving license or would it be worth us applyi

Asked by Steve D
April 23, 2012

Hi Steve, it'd make sense to make a joint application with your wife as this would strengthen your application.

We do have lenders that help people with past credit issues so 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

Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 3 People

Hi, I have recently been rejected car finance for the first time. I've had 3 cars on finance all which were paid off but i think a couple late payments due to a mix up with direct debits with car insurance has knocked my score down to 623 at present. I'm

Asked by Dwayne
April 23, 2012

Hi Dwayne, thank you for your question. As you're after a large amount i'd advise making a joint application with one of your parents as your credit score isn't that strong. This will obviously improve your chances of being approved. You have a large income which is great but do you have a deposit at all? Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 4 People

Hi, My partner is looking to buy me a car on finance even though he does not have a driving licence and has no intentions of getting one. I have a bad credit rating and would not be able to get finance so would it be possible for him to do this for me. I

Asked by Susan Finn
April 23, 2012

Hi Susan, thank you for your question. As your partner has no driving licence and as the car is for you to drive we do need you on the finance agreement. We do have lenders that help people with bad credit get finance so we should be able to do something for you if you can make a joint application on our website. Adding your partner will obviously improve our chances of getting an acceptance Please make a joint application on our website 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 7 People

Hi, My partner is medically unfit to drive and will never be able to obtain a drivers licence, however he has paid for me to take driving lessons and now wants to get me a car. He wants the loan to be in his name and he would be the owner of the vehicle a

Asked by Claire Thomson
April 23, 2012

Hi Claire, thank you for your question. We do have 1 lender on our panel who provides car finance to those without a licence but they have to have a good credit history. You say your partner has good credit so that's great news. The car however, would have to be registered in your name for insurance purposes. Please make an application with your partners permission obviously. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 9 People

Hi, my partner is looking to get a car on finance in her name but for me as i'm the one out of us both with a full uk licence. She has a provisional but doesn't want to drive just yet, she works in a bank and has a good income with good credit and i'm a p

Asked by Mathew
April 23, 2012

Hi Mathew, this isn't a problem as we have lenders on our panel that help people with provisional licences and good credit histories. I would advise to make a joint application though with yourself as the main hirer as the car really is for you. 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
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 4 People

Hi, We are needing a new car but my credit is bad due to mistakes in my youth. (i do have a mobile phone contract though) My other half has very good credit but doesn't have a driving licence, could we apply jointly? We would be looking for 2,500 - 3,000

Asked by Simon
April 23, 2012

Hi Simon. Firstly thank you for your question. The answer is yes you can apply as a joint application as long as at least one of you has a licence and at least one is in full time employment. You would need to put an application through so our underwriters can assess what the best options for you would be. We may even be able to get you approved on your own as we deal with lenders who can help customers who have experienced credit issues. In any case it is important that you are showing that you are trying to improve your credit score through keeping up to date on any active credit accounts. It will also help if you are registered on the electoral roll. Thanks again, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 8 People

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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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