Can my partner apply for car finance on my behalf?

Asked by Fiona P
January 10, 2022

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.

My monthly budget is

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Rates from 8.9% APR. Representative APR 19.9%

My monthly budget is

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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.

Amount to borrow

To pay over

5 years

Assuming your credit profile is:

Total cost of credit	£ 2000
Total repayment	£ 2000

48 monthly
payments of

£ 245 98

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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

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 10, 2022

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

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 10, 2022

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

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 10, 2022

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.

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 10, 2022

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

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 10, 2022

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

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 10, 2022

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

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 10, 2022

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

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 10, 2022

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

Hi, I'm looking to buy a car with myself financing it as I have a better income & credit rating than my partner but, for him to be the registered keeper and the insurance policy holder (with me as a named driver). Is this possible? Thanks in advance.

Asked by Laura Jayne
January 10, 2022

Hi Laura, apologies for the delayed response.

As you can imagine finance companies do not like this practice (as people split up and it can create big problems) but i can't stop you doing what you want to do. If you did finance a car in your name though you would have to take out a personal loan (which we can provide) as our other lenders will only lend to people who are the main owner of the vehicle.

Who you let drive your car is obviously down to you as long as they have the correct insurance (your partner could be a named driver for example on the policy). Kind Regards, Rachel

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
January 10, 2022

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

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CarFinance 247 Ltd.,
Universal Square,
Devonshire Street North,
Manchester,
M12 6JH,

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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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