Can I Get Car Finance Without a Driving Licence?

Tim Carpenter
Written by Tim Carpenter

Most of our lenders do require a full driving licence, however we do have finance options for people with provisional licences and even no licence. We can also help if you have only recently passed your driving test.

A number of lenders see having a full licence as a basic requirement when it comes to making an application for finance. They will therefore need a copy of your current UK or EU driving licence. This will also serve as photo ID which will help to confirm your identity.

If you do not hold a full current driving licence, it is likely to be more important than ever that you have a fair credit record and a reasonable deposit to put down as a down payment.

Although there are a few lenders who may be prepared to provide finance to someone without a driving licence, an alternative form of photo ID, such as your passport, will be needed.

We have finance options available for customers with credit histories from excellent to poor. Even if you have been declined for car finance elsewhere (such as from a bank, a car dealership or even another car finance broker), we still may able to help.  

We can offer finance options for all vehicle types, not just cars but vans, motorbikes, horseboxes, motorhomes and caravans. In most cases, we don’t even need a deposit from you.

At CarFinance 247, we consider all personal circumstances (e.g. whether you are employed, self-employed or retired etc.), so why not use our car finance calculator to see how much you could borrow?

Finally, while we cannot guarantee car finance, we will always do our utmost to find you the most suitable deal.

Get a quote
No impact on your credit score
Rates from 6.9% APR. Representative APR 24.9%

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5 years
Total cost of credit £ 2000
Total repayment £ 2000
48 monthly
payments of
£ 245 98

Rates from 6.9%: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6,500 over 5 years with a representative APR of 24.9%, an annual interest rate of 24.9% (Fixed) and a deposit of £0.00, the amount payable would be £181.16 per month, with a total cost of credit of £4,369.52 and a total amount payable of £10,862.52.

Can't find the right answer?

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* The UK's number one online car finance broker by unique users to the website. Based on Hitwise data – 1,746,657 to CarFinance 247 vs. 666,020 for nearest competitor. January to December 2019.

96% of our customers recommend us: † Based on feedback left on independent review site Reviewcentre. May 2019.

CarFinance 247 is a trading name of CarFinance 247 Limited, a credit broker and insurance intermediary, and 247 Money Group Limited (247 Money), a lender. Both companies are part of the 247 group of companies.

CarFinance 247 is authorised and regulated by the Financial Conduct Authority under reference number: 653019. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. Company registration no. 06035525. Data Protection Registration Number Z1897658.

247 Money is authorised and regulated by the Financial Conduct Authority. Registered office: Universal Square, Devonshire Street North, Manchester, M12 6JH. Registered in England. Company registration no. 10989530. Data Protection Registration Number ZA456831.

All finance is subject to status and income. Written quotations on request. CarFinance 247 can introduce you to a limited number of finance providers, including 247Money, based upon your credit rating and will receive commission for such introductions.

† We do not charge a fee for arranging the finance, however some of our lenders may charge a fee. Your account manager can provide more information on this

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