I have a provisional driving licence - can i get a car loan?

Hi, I have quite a bad credit rating, is it possible for my girlfriend who has a excellent credit rating but only a provisional license to apply? Many thanks

Asked by Glenn Brayshay
April 3, 2011

Hi Glenn, thanks for using the Q&A.

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

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.

Licence related questions

Hello, I've just passed my test, and not so good credit. I am looking for deals where the insurance is included?

Asked by amanda oconnor
April 3, 2011

Hi Amanda, thank you for your question and congratulations on passing your driving test. I take it you're still under 21? If so, and you have poor credit the only way of getting approved for car credit is to add a guarantor to your finance application. Is this possible?

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

I hold a provisional licence and work as a self employed carpenter. My work partner holds a licence but doesn't want to get involved in another vehicle. At present i own my vehicle but need to upgrade because of the London emission zone but am struggling

Asked by David
April 3, 2011

Hi David, we do have one lender that will be able to help as long as you can prove your income and have a 10% deposit. Also are you on the voters roll at your current address? Rachel

My mum has bad credit and a part time job and we are in desperate need of a car. My question is as i'm 19 and never had any trouble with my credit rating (but do not work as I get disability) do you think we can get finance if we apply for a joint applic

Asked by Lauren
April 3, 2011

Hi Lauren, thank you for your question. Making a joint application would indeed help your chances of being approved for car finance as you have some clean credit history and we'll be able to take both sets of income into account. We do have lenders that help people with poor credit so there is a possibility we can get you approved. Please make an application when you get chance. Kind Regards, Rachel

Hi there, i'm a learner driver and looking for a first time car. My husband has a full licence and i have a provisional just now. We were wanting to get a car on finance but in my name. Is there any way of doing it in my name instead of his?

Asked by Emma
April 3, 2011

Hi Emma, yes - we have a few lenders that approve people with provisional licences. How is your credit history? If you and your husband both have a fair/good credit history and you need a car now i'd advise you to make a joint application for finance. Adding your husband onto the application may well strengthen our chances too.

If you can wait it may be best to get your test passed first so that you have more options when it comes to getting approved with more lenders offering more choice but i'll leave the decision down to you. I hope that helps and i look forward to receiving your application in due course. Kind Regards, Rachel

Hi there, Is there a certain amount of credit you can borrow agains a provisional. Even with excellent credit?

Asked by Lewis
April 3, 2011

Hi Lewis, Not necessarily. It will depend on your credit history, your income and your age. Lenders tend to base the amount they will be willing to lend on both your age, income and level of active credit. Generally those younger than 21 will struggle to get any more than £5000 as generally such customers don't have a lot of credit. If you are over 21 and earn £1250+ per month then you have a better chance of securing a larger advance. However similarly you will need to have some comparable credit such as a credit card/loan/ mortgage. It will also help if you are registered on the electoral roll. I hope this makes sense. Kind regards, Rachel.

Hi, I've got a poor credit score (Equifax 364) due to one default from Oct 2006 and not being on Electoral roll.

All my other credit agreements are up to date and i have no missed payments in the last 4-5 years. I am looking to buy a car fo

Asked by Vic
April 3, 2011

Hi Vic, yes - when your wife makes an application on the employment status page place down housewife as her occupation. If she has good credit we should be able to get her approved.

hi there, can i get car finance i have a good credit rating , employed and own my home with no mortgage. thanks

Asked by Jackie
April 3, 2011

Hi Jackie, yes this is possible. We may need you to prove your income and obviously supply a copy of your driving licence.

After you apply we'll search the market to get the best rate for your circumstances. Kind Regards, Rachel

Rachel thank you for looking into this. Can you explain what you mean by "your wife's name and create a job for her."?

Asked by Vic
April 3, 2011

Hi Vic, yes - when your wife makes an application on the employment status page place down housewife as her occupation. If she has good credit we should be able to get her approved.

Hi Rachel, i have a provisional licence and am looking for car finance. I'm on the electoral roll and have a fair credit score of 791. Can you help? I would have £500 deposit. Thanks

Asked by Chris
April 3, 2011

Hi Chris, as you have fair credit and a provisional licence i do have a lender in mind that will be able to help. Please apply and we'll try our best to get you approved for finance. Rachel

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