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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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Can my boyfriend get a car loan for me?

Hi, My boyfriend and I are looking into getting a used SUV to replace my old car but my credit isn't good enough to get qualified to get a loan on my own.

So we were thinking of getting a personal loan vs financing. Is there a way for him to use his good credit to finance a car with my name on the vehicle?

Posted by Jarrell on


Hi Jarrell, thank you for your question.

If your boyfriend really wanted to do this he'd have to get a personal loan to buy you a car (which we can offer on our panel of lenders). When taking out a hire purchase agreement though you'd have to apply for the finance as the car is for you. My advice would be to make a joint application & as the car is for you, you'd have to be the main hirer with your boyfriend acting as the joint applicant to strengthen your chances.

If you didn't keep up to date with the repayments though it would effect both of your credit histories so please make your boyfriend aware of this. We do have lenders that help people with poor credit get car finance so we do have a chance of getting you approved. We can't guarantee an approval at this stage as you can appreciate.

Please talk through your options with your boyfriend before making an application. Kind Regards, Edwin

Posted by on

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