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Can my partner apply for car finance on my behalf?

Hi Rachel, Can my partner apply for the finance for a car for me as i'm the only licence holder? I'm not too sure of the pro's and con's of doing this are and if there are any risks etc. Please can you provide some advice.

Asked by Tony Hocking

Hi Tony, is there a particular reason that you want your partner to apply? Have you been declined elsewhere or do you have poor credit? I ask as we can help people with bad credit obtain car finance. There’s no guarantees at this stage but as long as you’re employed, can prove your income and have some current clean credit we have a reasonable chance of getting you approved.

Your partner could apply but as they don’t have a licence and as the car is for you they would need a personal loan product (which we can provide if your partner is comfortable with this route). You could always apply with your partner as a guarantor too.

I’ll leave the decision up to yourself and your partner but please make an application when you are ready. If approved we provide a no obligation quote and you can buy a car from any dealer. Kind Regards, Rachel

Tim Carpenter
Answered by Tim Carpenter Car Finance Expert Edited on

Liked by 115 People

5 Years
Total cost of credit £ XXX.XX
Total repayment £ XX,XX.XX
48 monthly
payments of
£ 245 98

Rates from 6.9% APR: the exact rate you will be offered will be based on your circumstances

Representative example: borrowing £6,500 over 5 years with a representative APR of 27.4%, an annual interest rate of 27.4% (Fixed) and a deposit of £0.00, the amount payable would be £188.74 per month, with a total cost of credit of £4,824.37 and a total amount payable of £11,324.37

Rates may differ as they are dependent on individual circumstances. Subject to status.

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