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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 my partner apply for car finance on my behalf?

Hi Rachel, Can my partner apply for the finance for a car for me as i'm the only licence holder? I'm not too sure of the pro's and con's of doing this are and if there are any risks etc. Please can you provide some advice.
Asked by Tony Hocking
January 31, 2012

Hi Tony, is there a particular reason that you want your partner to apply? Have you been declined elsewhere or do you have poor credit? I ask as we can help people with bad credit obtain car finance. There’s no guarantees at this stage but as long as you’re employed, can prove your income and have some current clean credit we have a reasonable chance of getting you approved.

Your partner could apply but as they don’t have a licence and as the car is for you they would need a personal loan product (which we can provide if your partner is comfortable with this route). You could always apply with your partner as a guarantor too.

I’ll leave the decision up to yourself and your partner but please make an application when you are ready. If approved we provide a no obligation quote and you can buy a car from any dealer. Kind Regards, Rachel

Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 115 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

Hello Rachel, I am looking to purchase a new vehicle. I have £600 deposit and would ideally like to pay no more than £220 per month over 5 years. I recently moved back from overseas and have some credit histroy, I also have a letter from a log book lender

Asked by Matt Hubball
January 31, 2012

Hi Matt, how long have you been back in the UK and how long were you away for? Did you have any active credit accounts in the UK whilst you were away? It's tricky when people have been out of the UK for sometime to try and get them approved as the lenders don't have much information to base their decision on. However, we shall try our best to get you approved. Please make a joint application and we'll try and get you approved with the most suitable lender we have on our panel. You're earning good money which is great and you're getting on the electoral roll. I'd wait for confirmation that you're on the electoral roll before applying. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 4 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
January 31, 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, I have never had a car on finance before so i'm unsure how it works. Would it be best to get approved before viewing cars? And can we do a joint application.

Asked by Lorna Redfern
January 31, 2012

Hi Lorna, yes you can do a joint application on our website for car finance and yes it would be good to have an approval in place before you start looking for cars as we'll need to discuss your income and budget with you.

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 49 People

Hi I have bad credit but I have a part time job my partner has excellent credit.

Would it better to do a joint application?

Asked by Jodi Lee
January 31, 2012

Hi Jodi, thank you for your question.

Yes it would be a good idea to make a joint application as adding your partner who has excellent credit will help your chances of an approval and also boost your joint monthly income.

We do have lenders that help people with bad credit and who have a part time job too. 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 7 People

Hello, can you please tell me if you think you can help. My credit score is 630 and my wife's is 330 and we want around £8500. Would i be better on my own or finance with my wife. Can you help?

Asked by Jo
January 31, 2012

Hi Jo, as long as you can prove your income and have a full time job i'd just make an application on your own as your score is significantly higher than your wifes. Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 4 People

Hi there, I am wondering if at all it will be possible to get a HP agreement for a car for around £5,000. We have been refused by other companies previously so slightly worried about making another application. I am a homeowner so pay my mortgage each mon

Asked by Moe
January 31, 2012

Hi Moe, thanks for your question and interest in CarFinance 247! The fact that you have been declined could well be down to the lenders criteria where you have applied. However, as we work with a large panel of lenders, we are often able to help customers that have been retired elsewhere! It's good that you're making your current payments on time, the lenders will obviously see that as a positive sign! Your joint monthly income can be taken into consideration too. 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 7 People

Hi Rachel, Thank you for your previous answers. Can you tell me how long it would take from making an application to receiving it in our bank account? We would prefer a joint application, but we are concerned that our credit ratings would go down when t

Asked by Rio Wilson
January 31, 2012

Hi Rio, thank you for your response. Typically, the funds are sent to the car dealership once you have chosen a vehicle. The only exception to this is if you obtain a Personal Loan from us. When you initially apply, we carry out a soft search. This will not affect your credit score. If then we believe you have a good chance of approval with a lender, we will send across your application to them and they will then carry out a hard search which will be visible on your credit profile. We would not send your application across unless we though you had a good chance of approval. Kind Regards, Rachel.
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 6 People

Hi, my daughter is trying to obtain finance for a car for £7000. She has been in full time employment for one year on £18k per year. She has a mobile phone contract and has recently been approved for a store card. She has made one application for a loan

Asked by Jane
January 31, 2012

Hi Jane, we'd love to help your daughter obtain car finance. Where did she apply and get declined? Is your daughter on the electoral roll and does she have a deposit at all as this would improve her chances of being approved. Finally would you be able to act as a guarantor if need be to strengthen the application? Please make a joint application when you're ready and if approved your daughter 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 there, I would like to buy my partner a car and pay off monthly (finance). I am fully employed earning £600 a week before tax. I have a fair credit score between 800 and 865, i have a credit card and mobile phone bill which i pay off in full on time ea

Asked by Hollie
January 31, 2012

Hi Hollie, we have a few personal loan lenders on our panel that allow you to use the funds as you so wish. They can also help people with fair credit so we have a reasonable chance of getting you approved. The rate and amount you can borrow will depend upon your personal circumstances and income. 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 5 People

Hi Rachel, I have a pretty bad credit history through circumstance. I currently pay finance on the car i currently own. I finish paying this in august. I need my car for my work and drive a lot of miles throughout the UK on events. My car has done a lot o

Asked by Mike
January 31, 2012

Hi Mike, thanks for the detailed question. Your partner could take out a personal loan (which we could provide) in her name however, we couldn't match 0% APR.

As the car is for yourself i would advise making a joint application for car finance on our website with you as the main hirer. This prevents any issues between you, your partner and the lender should your relationship break down for any reason.

Adding your partner would strengthen your application and we do also have lenders on our panel that help people with past credit issues. Please discuss your options with your partner before deciding on the best way to proceed.

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 7 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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