I would advise to make a joint application and we'll see where we can get you both approved. I assume the car is for you - if so, you'd have to be on the agreement as the main hirer. We do have lenders that help people with past credit issues and provisional licences so it makes sense to have you both on the application assuming your girlfriend is happy with this. If she is not then we may still be able to help you on your own. Obviously we can't guarantee an approval but we'll certainly try our best to get you approved at one of our large panel of lenders.
I think it'd be best if your girlfriend acts as a guarantor and we tried to get you approved as the main hirer. She would have to be made aware that if you missed any payments it would effect her credit rating so please get her permission before applying for car finance. When is your girlfriend due to take her driving test? Either way i think we can help. How bad is your credit rating - can you expand a little as we have many lenders who help people with bad credit histories?
Please make an application when you can and if approved we provide a no obligation quote and you can buy a car from any dealer. Kind Regards, Rachel