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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.

Car Finance For Part Time Workers

Hello Edwin, i'm currently struggling to obtain car finance as i only work part time.

Do you have any lenders that can help part time workers? Thank you

Posted by Esmerelda Smith on

Answer.

Hi Esmerelda, Thank you for your question and for using our Q&A. The good news is that we can help you as we have a few lenders who help individuals that only work part time.

How is your credit history and do you have a part exchange or cash deposit to place into the deal? Are you on the voters roll and i assume you have a full UK licence? Please clarify and then apply and we'll get a decision on your car loan application within minutes.

I understand that it can be hard sometimes to obtain credit as you're a part time worker but we have lenders that will understand your position :-) Have a great day. Edwin

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Question.

Hello, I work 24 hours a week on a contract and receive child and working tax credits. Can I get finance as I also have poor credit?

Posted by Joanne on

Answer.

Hi Joanne, we'll certainly try and help get you approved for credit and as you work over 16 hours a week this is a positive sign for lenders. We also have lenders on our panel that do take into account working tax credits so i'm hopeful we can get you accepted. Do you have a deposit or part exchange and are you on the electoral roll? Regards, Edwin

Posted by on

Question.

I currently have 2 part time secure jobs and require finance. I have contacted a few other finance company's but I'm unable to obtain finance due to having 2 part time jobs. Can carfinance247 help me to secure finance so I'm able to purchase a car? Thanks

Posted by Shane on

Answer.

Hi Shane, we'd love to help and as long as you can prove your income with payslips or bank statements there shouldn't be any reason why we can't help you as we have lenders who do help people with part time jobs. Do you have good or bad credit? Regards, Edwin :-)

Posted by on

Question.

Thank you for your reply. Could you please help me find a finance company for my past question - obtaining finance on a part time wage and in receipt of both working and child tax credits?

Posted by Joanne on

Answer.

Hi Joanne, yes - please apply on our website and we'll see which lender on our panel will be able to help. Regards, Edwin

Posted by on

Question.

I'm a 21 year old student. I work at co -op during the holidays and earn around £900 a month. Then part time during term-time. Do you think i would i be able to get finance of £4000 for a new car? And would my chances improve if my partner agreed to be a guarantor? He's currently earning over £40k.

Posted by Hannah Wilkinson on

Answer.

Hi Hannah, £4000 if approved shouldn't be a problem at all - just make sure you keep all your payslips. Yes - your chances will be greatly improved if youhave a guarantor in place. Kind Regards, Edwin

Posted by on

Question.

Hi, I work part time just 4hrs a week, but receive over £1000 a month with everything i am paid. Would i be able to apply for car finance? My credit history is quite bad, but I can provide bank statements.

Posted by Laetitia on

Answer.

Hi Laetitia, yes we can potentially help as £1000 is decent income. Please apply when you have 5 minutes and we'll have a decision for you asap. Do you have any clean current credit and are you on the electoral roll at your current address? Have a great weekend. Edwin ;-)

Posted by on

Question.

Hi, I can't get finance myself and my mum is considering applying for finance for me. My worry is that if she does this and in a couple of years she wishes to get finance for herself will she get rejected? She has a very good credit rating and income. Thanks.

Posted by Michelle on

Answer.

Hi Michelle, your Mum could have 2 or even 3 finance agreements in her own name as long as she has a good credit history so i wouldn't let that stop her applying for car finance. The V5 / logbook would have to be in your mothers name though and you could be a named driver on the insurance. Regards, Edwin

Posted by on

Question.

Hi Edwin thanks very much for your quick response and advice its a great help:)

Posted by Michelle on

Question.

I currently work 1 day part-time for one company and have a 6 year part-time history there where I used to work higher hours, however I now work a full-time job on a temporary contract (which I have had for over a year and has no end date). I am looking for a car finance/loan. My credit is scored as 'fair' with equifax as I have an old default for £150. No other adverse credit. Would there be a possibility of me obtaining credit? Many thanks

Posted by Kirsty on

Answer.

Hi Kirsty, i'm confident that we will be able to secure you car finance with fair credit as long as you're on the electoral roll and you can prove your income. If you receive any other income please put that down on the application form as that will also be taken into account. Please make an application on the site when you feel ready. Kind Regards, Edwin

Posted by on

Question.

Hi, I need a car loan but am working a partime job and have a monthy income of £1100.00. But have poor credit. Can I get approved?

Posted by Rosalyn on

Answer.

Hi Rosalyn, as you have a good income for a part time worker we can help get you a car loan. We do also help people with poor credit so please apply when you get 2-3 minutes. Regards, Edwin

Posted by on

Question.

Hi there. I am interested in getting a car on finance Worth around £3000. I work part time, earning about £400/£500 per month. I have two direct debits which I pay on time. Would I be eligible for finance?

Posted by Aaron on

Answer.

Hi Aaron, we may possibly be able to help you. The fact that you are employed part time isn't a problem but it does limit the number of lenders we can look to get you approved with. What are the direct debits for? Do you have any other credit such as a credit card/ loan/ overdraft? Are you registered on the electoral roll? If the answer is yes then we should definitely be able to help. Please make an application when you are ready, Edwin

Posted by on

Question.

I currently am a nanny in England and also work part time as a care support worker. As I live with the family I am working for as a nanny I have no outgoings in the form of bills or food etc. However, I am not on the electoral roll or on a fixed annual income as my care support hours vary weekly. On average I receive about £200 per month for my part time work. I am struggling to find finance for people who have a variable income. I am looking to borrow about £3000 over 60 months and have a deposit of £400 and my credit score is about 800. Would you be able to help?

Posted by Anna Stanke on

Answer.

Hi Anna, thank you for your question. We do have lenders that help people who work part time but as you say you are a nanny how long have you been in the UK? Lenders we work with need to see proof of 3 years residential history before lending any funds. Also do you have any active credit in the UK - so, a bank account, credit card or contract mobile phone? Kind Regards, Edwin

Posted by on

Question.

Hello, I work part time 24 hours per week and am getting carers allowance plus receiving child and working tax credits.

My credit scoring is fair so will I be able to get car finance? Fiona

Posted by Fiona on

Answer.

Hi Fiona, apologies for the delayed response.

We can indeed help part time workers and we do also have lenders that take tax credits into consideration too so i'm confident that we can help.

Having a fair credit score rather than a poor one will also help our chances. Please make an application here when you get a minute. Kind Regards, Edwin

Posted by on

Question.

Hi, I currently work part time - 12 hours a week but I do a lot of over time so my pay check varies from £500-£700 a month.

My credit score is poor. Would I still be able to get finance for a car?

Posted by Monifa on

Answer.

Hi Monifa, thank you for your question.

We can indeed help part time workers who have poor credit secure car finance.

As long as you can prove your income with payslips and have a UK licence please make an application here. Once 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.

This comment is awaiting moderation.

Posted by Karen Sharman on

Question.

Hi,
I'm currently working 15 hours a week, receive additional benefits, such as child tax credits, and in total I receive around £1750 a month. I'm currently waiting for my electoral role application to be updated, and I'm 20 points away from a "fair" score. I hope once this has updated I will be "fair". I also have a £1k deposit and am looking to borrow £6k, what are my chances?

Posted by Jamie on

Answer.

Hi Jamie, thank you for your question,

Your credit isn't too bad, and you have a good regular income and decent deposit. We do have lenders who can help people receiving benefits, so we can try our best to help you!

Please make an application when you're ready and if approved we provide a no obligation quote and you can buy a car from any dealer. Kind Regards, Edwin

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