Sign in to the member area

I have really bad credit - can you get me guaranteed car finance?

Hi Rachel, i have a really bad credit history and a credit score of 211. I have added my brother to my application as a jont applicant - will this help me get accepted and does this mean he's like a guarantor? Thanks

Asked by Anthony

Hi Anthony, unfortunately we can’t guarantee anyone is going to get accepted. What we can do is try our best with the panel of lenders that we work with to get you approved for bad credit car finance.

Any company who guarantees you car finance is leading you up the wrong path. Adding your brother to the car loan application will help improve our chances of gaining an acceptance. It will mean he acts as a guarantor so his credit would be effected also (along with yours) if you didn’t keep up with the monthly payments. How old are you and your brother and are you both on the electoral roll at your current address? Are you both in employment also?

Please make a joint 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

Tim Carpenter
Answered by Tim Carpenter Car Finance Expert Edited on

Liked by 144 People

Can't find the right answer?

Our Manchester based team are ready to help you.