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
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 162 People

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

Rates from 7.9%: 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 20.7%, an annual interest rate of 20.7% (Fixed) and a deposit of £0.00, the amount payable would be £168.48 per month, with a total cost of credit of £3,608.67 and a total amount payable of £10,108.67. 

We look to find the best rate from our panel of lenders and will offer you the best deal that you’re eligible for. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way.


Licence related questions

Hi, I have a question and am wondering where we stand. Is it true my husband needs a full license to finance a car for us? They won't let me as I don't work and even as a joint claim its looking unlikely as he doesn't have the license - I do! We both have


April 3, 2011

The good news is that we work with a panel of lenders and some of them do allow people without a full UK driving licence to get car finance, subject to approval. This includes people with a full EU licence or a provisional licence. Get a quote to find out more. Rates from 6.9% APR. Representative APR 24.9%.  

Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 32 People

I am looking for a very small loan for a car i have seen. I am a full time carer for my son who is getting DLA and i am currently on a provisional license but due to take my driving test within the next month. I am getting confused with what income i need


April 3, 2011

Yes. The good news is that we work with a panel of lenders and some of them do allow people with a provisional driving licence to get car finance, subject to approval. Get a quote to find out more. Rates from 6.9% APR. Representative APR 24.9%.  

Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 4 People

I am due to take my test in the next couple of days and really want a car but have no deposit. Plus i would want the car ASAP - is this possible?! I have a credit card and a contract phone and all payments are always made on time. I probably only want to

Asked by Kate
April 3, 2011

Hi Kate, we'd be able to get you a better rate of finance once you have passed your driving test as we only have one lender that approves individuals with provisional licences. As you seem to have a good credit score it'd be silly to limit you to the one lender. Please apply once you've passed your test and we'll have you in a new car in no time at all and to fit your budget. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 5 People

I have a provisional licence and would like to get finance for a car. I have a poor credit rating but i am in full time employment earning £1000 a month. Is there a lender who would accept me that do not charge extreme interest rates? I'm not expecting th

Asked by Lisa
April 3, 2011

Hi Lisa, i have a handful of lenders in mind that hopefully will be able to help. The lenders decision will be based solely on your credit history and employment status. They will also determine the rate you receive. Please apply and we'll see what we can do. Good luck. Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 8 People

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
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 4 People

I recently applied for finance and i got credit approved but also i recently sent off my drivers license to change my address. However it takes 2-3 weeks to come back would this change my application for finance because of them not being able to see my l

Asked by Robii
April 3, 2011

Hi Robii, whoever you have been approved with will need to see a copy of your driving licence. If you don't have it they can do a DVLA check so you should be fine. Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 4 People

Is there no way of getting a car on finance on a provisional licence? I'm currently doing my driving lessons and want to get a car on finance to give me that incentive if it's on my driveway. Plus i'd be able to learn to drive in it as my mum can be in th

Asked by Vikki
April 3, 2011

Hi Vikki, unfortunately all lenders want to see that you have a full UK licence before providing car finance. I'm sorry but you'll have to wait until you have your licence unless you get a personal loan from your bank etc. Good luck with your lessons and i'm sure you'll have your test passed in no time. Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 3 People

My credit rating is through the floor and I have a clean, full UK licence, my partner is the opposite, he has excellent credit rating and wants to finance a car, he doesn't have a driving licence and no desire to drive. Car salesmen have advised us that m

Asked by Claire
April 3, 2011

Hi Claire. I would advise that you put a joint application through so we can have a look at both your credit profiles and assess what the best option would be for you. If your partners credit is as good as you say then we may be able to get him approved on his own (gaining better interest rates). You would be able to drive the vehicle however he would be 100% liable for the payments. I hope this helps. Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 21 People

my husband is in full time employment but he works overseas he has been cleared for finance but as he has no licence it looks like its not going to go through, is there anyway of having my name added to the finance or would it need to be a whole new appli

Asked by Jenny
April 3, 2011

Hi Jenny, please call a sales advisor on 0800 019 7180 to explain the situation. You can make a joint application on the website if you prefer. Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 24 People

My Mum is disabled and we both thought that she was on the higher rate of mobility. We have recently discovered though that she is not on the higher rate as first believed. DLA now say is not entitled to the higher rate because she is over 65 even though

Asked by Katie
April 3, 2011

Hi Katie, it may be worth applying in your name and your mum's to get approved for car finance as your mum has no licence. Have you got a clean credit record? Kind Regards, Rachel
Tim Carpenter
Tim Carpenter Car Finance Expert

Liked by 8 People

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