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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.

I am on ESA but have good credit. Would I be eligible for finance?

Hi Edwin, I was wondering if you could help.

I am on employment credit and support allowance, but I’m pretty sure I have good credit as I have always paid my bills on time, and have lived at the same address for the last 15 years. Would I still qualify for finance on benefits? I would love a more reliable car to get around!

Posted by Mandy C on


Dear Mandy, thank you for your question!

The fact that you have always paid your bills on time and have been in a steady address is great, and it may help increase your chance of approval. We do have lenders that help people on benefits secure finance, you just need to provide a breakdown of all your income, including benefits payments on your application form, and we will try our best to help you.

If you are unsure about your credit score, you can also get a free credit check with Experian to find out where you stand!

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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