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Car Finance Expert Q&A

Hi, I'm Edwin and I'm here to help you!
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Edwin Miles. Underwriting Manager

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Do you have a question about Carfinance247 or its services? If so, please complete the form below for a response within 1 working hours. I have over 7 years experience working for Carfinance247 and have the responsibility to answer all questions asked.

Disabled Car Finance with Disability

I wonder if you could help me? I would like to finance a 2002 Honda Jazz, 93,000 miles with full service history. I don't work due to being disabled & i have a bad credit history. Can you help?

Posted by Paul Wilson on

Answer.

Hi Paul, in all honesty we may struggle to get you approved unfortunately as you are unemployed and have a bad credit history.

However, we do have a handful of non-status lenders on our panel that help those on benefits and who have a bad credit history. We obviously can't guarantee an approval at this stage but we'll certainly try our best.

Please make an 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, Edwin

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Question.

I need to borrow £3,600 to buy a car.

I'm on disability allowance - do i qualify for this & i have no debt problems?

Posted by James C on

Answer.

Hi James, yes - we do have lenders on our panel who take disability allowance into consideration.

Do you have a full UK driving licence? As you have good credit this gives us more options. If it came to it would you be able to get a partner or family member to act as a joint hirer on the finance application? If not, don't worry as this isn't mandatory.

Please make an application and if approved we provide a no obligation quote and you can buy a car from any dealer in the UK. Kind Regards, Edwin

Posted by on

Question.

Hi i look after my disabled daughter full time, i get an allowance for this, can i get finance on this basis, regards Gemma

Posted by Gemma on

Answer.

Hi Gemma, thanks for using the carfinance247 Q&A. Firstly i need to establish whether you have good or bad credit history. If you have a good credit history then i'm reasonably confident we can get you approved for disability car finance on your own as we have a larger choice of lenders to use.

If you have average to poor credit would you have anyone else who can apply with you on the application (with their permission of course) as this would strengthen your chances? Please make an 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, Edwin

Posted by on

Question.

Hi thanks for getting back to me, my credit rating is FAIR, not Shaw how much i need, not found the right car yet. I have a car to trade in, worth around £800-1000, on a trade in. My budget is around £200 a month, hopes this helps, Regards Gemma

Posted by Gemma on

Answer.

Hi Gemma, if you have fair credit i'm reasonably confident we can get you approved but this ultimately depends upon your credit history. You can also use your part exchange as full deposit.

Please make an 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, Edwin

Posted by on

Question.

The enquiry is for my daughter as she has a disability but hs just lost her motability. What is the chances of getting finance for a car?

Posted by D Adams on

Answer.

Hello Mr/Mrs Adams. Thank you for your question. There is the chance of getting your daughter accepted for disibility car finance if you were to act as a guarantor. Would this be possible and if so, how is your credit rating?

We do have lenders who help people on benefits so please make an application when you've discussed your options and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Edwin

Posted by on

Question.

Hi, I am on disability living allowance, but not on the level required for a motability car. I want to buy a car but someone else be the main driver as I don't drive. As I said I am on disability living allowance so am unemployed. I am a discharged bankrupt (2009 discharged) my bank have now given me a regular current account stating that my credit profile is ok now. I also don't have a deposit. Could Carfinance24/7 help me? Thank you, Lorraine

Posted by Lorraine on

Answer.

Hi Lorraine, unfortunately there's no way that we'd be able to help you. The main reason is that you don't have a driving licence. All lenders we deal with need to see a copy of your driving licence before they will fund the deal. I'm sorry to give you the bad news. Edwin

Posted by on

Question.

Hi, i have been looking into car finance and i am getting disability living allowance. I wanted to see if you could help with finance and the total i am looking for would be £4500. I have a deposit of £1200, i have done a credit check and it came back as Fair, but was a few points away from Good.

Posted by Derek Hanrahan on

Answer.

Hi Derek, please apply and we'll do our best to get you approved with a lender that doesn't need you to be employed. If we can get you approved the £4500 shouldn't be a problem and the fact that you have a large deposit is great news. Edwin

Posted by on

Question.

Hi, i forgot to mention that i am from NI. Is that a problem?

Posted by Derek Hanrahan on

Answer.

Hi Derek, unfortunately it is. We don't have any lenders that approve customers in Northern Ireland. It may be best to search for a local finance business. Sorry about that.

Posted by on

Question.

I am a disabled lady and i have full disability benefits indefinitely and the motability side also. Can i get a loan?

Posted by Claire on

Answer.

Hi Claire, we'll certainly try and help. Do you have a good, fair or poor credit history? Edwin

Posted by on

Question.

Hi Edwin, me and my partner were wondering if we could get help to finance a small car. Our son gets lower rate disability, my partner is full time carer and I'm full time employed. Perhaps we've not a great credit rating though?

Posted by Gerry Doherty on

Answer.

Hi Gerry, we'd love to try and help. Please make a joint application with your partner for car finance. We do have lenders on our panel that help those with a fair / poor credit history so hopefully we'll be able to get you approved. Would you have a deposit or part exchange to place into the deal? Edwin

Posted by on

Question.

Hi Edwin. My mum is looking to get car finance for purchase price of £6.500. But she receives disability living allowance as her main income. Can she still get car finance? Thanks, Liz

Posted by Liza on

Answer.

Hi Liza, Thank you for your question. May I ask what your mums credit is like? If it is near on perfect we should definitely be able to help. However if she has experienced some issues with credit then there is only a few lenders who will consider her. In order to be approved with these lenders she would need to be receiving permanent Disability living allowance and her net monthly income would need to be at least £800 ( not including any other benefits). Alternatively it would help if she had someone who could go on the application who is full time. This would then open the door to a number of other lenders. I hope this helps.

Posted by on

Question.

I have full DLA as i can not walk and i am 62.

I was made bankrupt 6 years ago, my wife has great credit rating so can we get £4500 for a car loan? Thanks

Posted by Dave on

Answer.

Hi Dave, we may be able to help you as we do have lenders on our panel who will finance people who are in receipt of DLA.

However, if your wife has good credit then I suggest you put an application through with her as a co-hirer. It may be that we are able to secure some good rates in your wife's name alone, but our underwriters will assess both your profiles in order to advise on the best option for you.

Please make a joint application and once approved we provide a no obligation quote and you can buy a car from any dealer in the UK. Kind Regards, Edwin

Posted by on

Question.

I am a full time carer for my disabled wife and my disabled daughter. I run a small business from home which generates no income currently as it is breaking even. We have a household income of just over £15,000 per year made up of Disability Living Allowance (Low rate mobility so not qualified for motability), Carers Allowance and Working Tax Credits.

Our fourteen year old car has just given up the ghost after a long and faithful life and we need a new car rather urgently. We have no CCJ's and two defaults from two different companies for the same debt. We have a bank account in good standing order having never been overdrawn, a credit card that we have never missed a payment on and regularly pay more than the minimum payment.

We have an arrangement in place to clear an outstanding water bill that is affecting our credit rating. We have a disposable income of around £150 per month. All our bills (T.V. Licence, Gas, Electricity, Phone and mobile contract etc... are up to date). I have a full UK Driving Licence (Motorbike not car entitlement) registered at my current address but my passport is long ago out of date. I can supply as many bank statements and household bills as you could wish for.

We are registered on the electoral roll and been at current address for over 6 years. We are Council tenants and have no arrears (Nor have we ever had) I have an experian credit score of 531 and I would love to buy my wife a new car. I have found a Toyota Rav 4 Diesel registered in 2006 that has traveled 90,000 miles for £6500 from a dealer.

This would suit our needs perfectly and put us on for at least another four years with the added bonus of being considerably cheaper to run than our old car was. I would love to buy her this car as a surprise present as she is rather upset at having no transport and no means to get around. I can probably scrape together a £500 deposit so I would looking to finance around £6000

I did approach yourselves for finance not very long ago as I though our car was on it's way out and was told I could have a credit limit of between £2,000 and £7,000 however I never took up the offer as I wasn't sure what I wanted to do and our circumstances have changed now. I'm also not entirely certain that I made it clear that our household income was mainly from benefits.

I am guessing that I have very little chance due to being self employed with our main income being from Tax Credits and benefits and a poor credit score plus the age and mileage of the car but thought I would ask anyway?

Anyway, enough about me. I look forward to your reply, Good or bad at least I will know what my options are. Thanks and well done for reading this far!

Posted by James W on

Answer.

Hi James, thank you for your detailed question.

The good news is that we have lenders that can help people on benefits and that also have a few past credit issues get car finance.

As you don't have a full UK driving licence though we'd need your wife to go on the application as a joint hirer to improve our chances of gaining an approval. The deposit you have obviously helps and we'd love to help get you into a new car.

You mention you were approved by us in the past so i see no reason why we can't help you this time as you have some current clean credit and a stable residential history where you have been on the electoral roll. We can't guarantee an approval but making a joint application gives you the best chance.

Please make a joint application here and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Edwin

Posted by on

Question.

I am a full time carer for my mentally and physically disabled wife. I am in receipt of all income as she is unable, mentally, to manage any money. We currently have a car through Motability but are looking to send this back due to her disability causing some pain whilst getting in and out of the current car. We have had this car for the last 2yrs out of a 3yr contract.

As I am a full time carer I am receiving a total of £19,740 per annum and with the addition of the mobility component, once the car is handed back, this will make a total of £22,691 per annum.

With me being a full time carer I am unsure as to whether I am classed as unemployed as I am not in receipt of Unemployment benefit.

As the mobility component is about £246 per month then this is what I would have available to use on monthly payments for a car. I have no CCJ's, no bad debt, no late payments and I always ensure every bill is paid on time. I also have 2 credit cards, one Capital One (37.9% APR) and one Sainsbury's Bank (17.9% APR), both are up to date and never defaulted. I have had only one credit check on my Experian file in the last 9 months. My Experian score is 765 and will probably rise considerably within the next few weeks. On Equifax and CallCredit I am showing as fair to good credit. Experian is showing fair.

My current address is 5 full years and previous address of 11 yrs. I am looking to obtain a loan of about £4000, but I do not want to be paying extortionate interest rates and I would like to know exactly what kind of interest rate I can expect to be paying should I be accepted for a loan.

Finally, can you tell me if there are any specific requirements about what car I can buy. Is there any age limitations, Mileage restrictions or dealership requirements that has to be taken into account before buying? Too may loan companies are stating that cars MUST be under 7 yrs old and of low mileage. Is this the case with your company?

Posted by Chris on

Answer.

Hi Chris, thank you for your detailed question.

As you are a carer we do class this differently to people who are unemployed. When completing our finance application you do have the option to select "carer" as a profession. You have a good annual income and a decent monthly disposable budget so i'm reasonably confident we can get you accepted for the £4000 you need.

In terms of what rate you receive this will be dictated by the lender we can get you approved with. To get an approximate idea though please use our car finance calculator. The lenders we use do have specific vehicle criteria which will be explained once we have an approval in place. The better credit history you have the more flexibility there is.

Please make an application and if approved you can choose a car from any reputable dealer and we also provide a no obligation quote. Kind Regards, Edwin

Posted by on

Question.

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Posted by Trish on

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