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Car Finance Expert Q&A

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Edwin Miles. Underwriting Manager

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I'm 19 years old and need a car loan

Hi, i'm 19 and want a £4,500 for a car loan. I earn £17,000 a year but have no credit history. My insurane and phone bill have only been going out my account since April this year. Do you think it's likely i'll be able to get car finance? Thank you

Posted by Tammy on

Answer.

Hi Tammy, thank you for your question and apologies for the delay in responding. If I'm being honest i think you'll need a guarantor / joint applicant when you apply on our website purely due to your age and lack of credit history. You're earning a good wage and you have some form of credit so that's great news. Also if we do get you approved the £4500 won't be a problem :-)

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Question.

Thanks for your reply. I'm not sure i would be able to get a guarantor, how would the joint application work?

Posted by Tammy on

Answer.

Hi Tammy, a joint application is the same as a guarantor. When making the application try and get a family member to agree to act as a guarantor for you :-)

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