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Car Finance Expert Q&A

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Edwin Miles. Underwriting Manager

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19 Year old looking for car finance

I am looking to get a car on finance. I'm 19, earn around £800-£1000 a month working full time and have always paid my credit card on time.

What are my chances of getting accepted & would i need a guarantor? Thanks.

Posted by Liam on

Answer.

Hi Liam, at 19 as you have no other major commitments other than a credit card i'd be inclined to advise you to get a guarantor / co-hirer to help improve your changes of getting approved for car finance. However, this is not to say that if you don''t have a guarantor we wouldn't be able to help. We'd certainly try our best and we do have lenders that help young people get car finance to the tune of £4000 to £5000 (dependant upon their income).

You tick all the right boxes with your income, employment status and i take it you have a full UK licence? If you do get a guarantor make sure you get their permission first to use their details as we'll have to carry out a credit search.

Lastly, are you on the voters roll at your current address? Please make an application when you're ready and remember that if approved you can choose a car from any dealer and we provide a no obligation quote. Kind Regards, Edwin

Posted by on
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Question.

Yes i am on the voters roll and yes I do have a Full UK licence. What do think is the ideal amount that I would get accepted for? Thanks

Posted by Liam on

Answer.

Hi Liam, if i'm honest you'd be looking at a maximum of £5000.

Posted by on

Question.

Great well I was only looking for around £3500-4000 so thanks for your help.

Posted by Liam on

Question.

HI, i'm a 19 year old uni student but I do have a high percentage credit card. I'm also on the electroll roll as i live at home where my bank account and my own phone bill are registered too. Will i be able to finance a car where after 3 years I can hand the car back? Also my parents have bad credit but can they be guarantors as financially we are much better now? We're looking for an E class Mercedes RRP 36k.

Posted by Ted on

Answer.

Hi Ted, unfortunately there's no way we'd be able to secure you £36,000 finance even with your parents as guarantors mainly due to your age. You also haven't informed me of your income.

In fact - Is this car for you or your parents? If it's for your parents what deposit would they have as we may be able to help them? They would need a large deposit. When you say their credit is bad, how bad is it? Kind Regards, Edwin

Posted by on

Question.

The deposit would be at least £6000. Their credit history is quite bad to be honest. Had a few mortgage payment missed last year and bills missed and had a large overdraft that was not paid off until last month. This was all due to purchasing another property abroad which majorly affected the cash flow.

Posted by Ted on

Answer.

Hi Ted, with a deposit of £6000 we should be able to get your parents approved if they apply jointly but not you unfortunately. Kind Regards, Edwin

Posted by on

Question.

Hi, I'm 19 - nearly 20 and am looking to get a £5000 on finance but nowhere will accept as they say it's just not worth it. I will put down £1000 on the car and pay my insurance in full. Do you think there is any way I could get £4000?

Posted by Louise on

Answer.

Hi Louise, if we can get you approved £4000 shouldn't be an issue as long as you are employed and can prove your income. The large deposit of £1000 will also help as this shows commitment from your end.

Are you on the electoral roll at your current address and what active accounts do you have on your credit file? Do you have any loans, store cards, credit cards, contract mobile phone, mail orders etc? If so, is the payment history up to date and have all payments been made on time? If you have no credit history whatsoever it may be best to get a guarantor / co-hirer to add onto the agreement (friend or family member). Obviously you'd need their permission first. Kind Regards, Edwin

Posted by on

Question.

Hi, I am 21 on Monday and I have about £1k deposit. I am earning £1100 (after tax) a month (£800 currently disposable after rent/phone etc) and have never had an issue with missed payments. I have a low-interest £350 loan at present and a phone contract. Experian rated my credit profile at 390 (for some reason). Would I be able to get about £1500 -£2500 finance without a guarantor? Thanks!

Posted by Adam on

Answer.

Hi Adam, we could potentially get you a small loan but we can't guarantee an approval at this stage. Your credit score does seem low but if you're up to date on your payments with your contract phone and small loan that will look good to our lenders so i'm reasonably confident we may be able to help. What is your monthly budget and lastly, are you on the electoral roll? Kind Regards, Edwin

Posted by on

Question.

Hi there, I am 19 and looking to get a car through hire purchase around June/July and looking to find out the chances of getting approved? I have a 763 credit score on Experian and earn around £800 a month before tax, sometimes more. The credit I have in my name are catalogues like Littlewoods / Very - also I am on my second contract phone and have not missed any payments. I have recently gotten a credit card. I have shown I can pay my bills on time and can prove this as last year I paid £220 a month for my insurance but this year I will be paying that off in full. For the car finance I should have around a £1500 deposit and will be 20 in November if that helps. Thanks.

Posted by Joe on

Question.

Hi, im 20 years old and looking to get finance on a car. They said I can get the finance in my name as long as I have a guarantor. They declined my mum so I was going to try using my dad, but he lives at a separate address to me. Just wondering should this effect the credit being declined? As my dad and me both have 100% good credit and full time jobs.

Posted by Vicky on

Answer.

Hi Joe, apologies for the delayed response. It sounds like you have built up quite a decent credit record even though you're 19. If all payments have been made on time we should be able to get you approved and the fact you have a large deposit helps too. Please apply and we'll hopefully get you approved quickly. Regards, Edwin

Posted by on

Answer.

Hi Vicky, we may be able to get you approved without a guarantor as you say you have a good credit history. What active credit do you have? Also, it won't effect your credit by having your Dad as a guarantor even though he lives at a separate address :-)

Posted by on

Question.

Hi Edwin, thanks for your reply! I took out a loan to pay off a laptop and paid it all back within the allotted time. I also have a phone on contract that is always paid for on time. Unfortunately the car company declined giving me finance, so i will have to ask my dad to be a guarantor! Also I have another question? If my dad got the finance completely in his name (and I send him the money monthly for the car) would it be possible to have the car registered to me? I don't think it would be as the finance would be in my dads name. However, he is adamant that this is possible. I have also found an insurance company that would do the policy in my name but my dad as the registered keeper and legal owner :) Thank you!

Posted by Vicky on

Answer.

Hi Vicky, i'd advise against your Dad taking the finance agreement in just his name as the car isn't for him. The best thing to do is to make a joint application for car finance.

If he wanted he could take a personal loan out to buy you a car but that'd be his decision completely. That's the only way you could register and insure the car in your name. We do have personal loan lenders on our panel so please discuss this with your father before making any swift decisions. Kind Regards, Edwin

Posted by on

Question.

Hi, I am 20 years old, i have a bad credit rating due to missed payments on a phone bill in my name that a friend ran up. I am going through court proceedings to get the money back however, i have defaulted payments and really struggling getting credit elsewhere now. I am a full time receptionist and recieve a regular income obviously. What do you think the likelihood is that i can get a finance agreement? Many Thanks, Beth

Posted by Beth on

Answer.

Hi Beth, there is a chance that we'll be able to get you finance (as long as you're employed) as i'd imagine the default was for a small amount due to it being a mobile phone company. Do you have a deposit at all as that always helps and do you have any active credit agreements in your name? Kind Regards, Edwin

Posted by on

Question.

I am currently 19 and am looking at getting finance. I currently have a loan with Lloyds with roughly £5500 left owing. Would i be better to pay off the loan and then apply for finance or would it still be possible to get finance alongside the loan i have? I would be able to give a £3000 deposit if needed. Please let me know if you have any advice.

Posted by Jacob on

Answer.

Hi Jacob, if you already have received a £5500 loan from Lloyds then you've built yourself a decent credit history even though you're only 19. I'd keep the loan running to be honest as it looks good on your credit profile. Have you kept all payments up to date? If so, we'll be in with a chance of getting you approved as you have a large deposit too. How much finance are you looking for, what's your monthly income and are you on the electoral roll at your current address? Regards, Edwin

Posted by on

Question.

Hello, my daughter is 20 and she has completed 3 years at university. Since January she is in full time work however, she as no credit. Can she get finance?

Posted by Ian Beaney on

Answer.

Hi Ian, with yourself as a guarantor (if you're willing to do this) i see no reason why we can't get your daughter approved for finance. How much is she looking to finance? Please make a joint application on our website and we'll go from there. Have a good weekend. Edwin

Posted by on

Question.

Hi, I'm currently 20 earning £16k per year and have very little credit history. Is it likely I could finance around £16k with a deposit of £5k? Thanks

Posted by Karl on

Answer.

Hi Karl, even with a £5000 deposit we may struggle to get you £11000 due to your age and income. What other credit accounts do you have currently? Do you have any credit cards or loans that are a reasonable amount? Perhaps with a guarantor you'd have a better chance though. Kind Regards, Edwin

Posted by on

Question.

Hi Edwin, Thanks for the reply. I don't have any credit cards or loans. I just have my mobile phone contact and a Littlewoods account I use every now and again. Would you advise to maybe get a credit card to build up some credit history? Thanks

Posted by Karl on

Answer.

Hi Karl, this would certainly help & remember to set-up a direct debit paying the monthly minimum payment so that you never miss any payments :-)

Posted by on

Question.

Hi there, I'm currently looking for a new car and wondered what path would be best to take. I don't have much credit history as I'll only be 20 this year but I've got a small overdraft available and a credit card which I've made a couple of small purchases on. I've got an income of £15k but will rise to £18.5k in August. Would i be approved for a loan / finance? I'm also on the electoral roll.

Posted by Alan Scott on

Answer.

Hi Alan, welcome to the Q&A. Even though you're only 20 you have a bit of active credit which is great to see, you're on the electoral roll and you have a good income so you tick all the right boxes. I'm reasonably confident (without guaranteeing anything at this stage) that we'll be able to get you a loan in your own name rather than having a guarantor. How much were you thinking of borrowing and do you have a deposit? Please apply and we'll try our best to get you approved on the best rates possible. Regards, Edwin

Posted by on

Question.

Hi, I am 20 years old and in a full time permanent job which I've had for 9 months. I have just been turned down finance by BMW/Mini which they are saying is due to my age and time in my current job, they have offered me a package whereby I require a guarantor. My credit rating is good - I've had credit cards, mobile phone etc which I've always paid on time and normally more than the minimum payment. Is it likely that I will be able to obtain finance through yourselves?

Posted by Nathan on

Answer.

Hi Nathan, apologies for the delayed response. As long as you're on the electoral roll at your current address and that is where all your credit is registered we may be able to get you approved on your own. Do you have a full UK licence and do you have a deposit? Edwin

Posted by on

Question.

Hey Edwin, I'm 19 and i earn £1140 after tax per month. I currently have a mortgage and am on the voters roll at my current address. My credit score is 810 and i'm looking to borrow around £8k without a guarantor?

Posted by Aman on

Answer.

Hi Aman, we should be able to help with what you have said. Do you have a deposit or part exchange? Please apply and we'll hopefully be in touch with good news :-)

Posted by on

Question.

I have a £600 deposit.

Posted by Aman on

Answer.

Hi Aman, superb. Please apply whenever you get 5 minutes :-)

Posted by on

Question.

Hi there, I'm looking to borrow around £7000 on an Audi a3 or similar, I don't have much of a deposit as I've not sold my old car so around £100/150?

Posted by Alan Scott on

Answer.

Hi Alan, the amount that you can borrow depends upon your personal credit circumstances and your income. A deposit isn't always necessary.

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.

Hello, I looked at a car today that i am hoping to get on finance. The company the garage uses is called Close Motor Finance and i do not know if i will need a guarantor? I have good credit as have been accepted for finance before but due to my age i needed a guarantor that i can not get. If tomorrow the company refuses me my finance due to my age is there any other ways around it?

Posted by Luke on

Answer.

Hi Luke, we'll certainly try and get you approved without a guarantor and we have access to many lenders who help young people that don't have much credit history. Please apply when you're ready. Regards, Edwin

Posted by on

Question.

I was hoping to take out a loan for a new car. The car costs around £5500 however I'd have a deposit of about £1000 and currently have a car i'd be selling afterwords. I'm 19 at the moment and been working for the last year doing 30 hours a week and bringing around £1100 a month after tax. What do you think the chances are of me getinng a loan to cover the £4500?

Posted by Craig on

Answer.

Hi Craig, with a £1000 deposit and a decent monthly income we should be able to get you approved for £4500 despite your age. Are you on the electoral roll and do you have a full UK licence? If so, great! Lastly, do you currently have any active credit on your credit profile? Regards, Edwin

Posted by on

Question.

Hi Edwin, I've been on the electoral roll since turning 18 and have had a catalogue order which has always been paid on time and never missed a payment for almost two years now. I wouldn't be going for finance this month as the deposit won't be through until probably next month. So would it be best to call or try online? I'm also assuming i'd be told payments and everything before actually agreeing to everything yeh? Thanks!

Posted by Craig Norquay on

Answer.

Hi Craig, you're spot on. You wouldn't commit to anything until you knew all the facts and figures. Please apply online when you have the deposit ready and you'll hear from us within 2 working hours. Regards, Edwin

Posted by on

Question.

Hi, i'm 19 and earn about £760 after tax each month and want to borrow £5000, my credit score is 889, would this be possible?

Posted by Peter on

Answer.

Hi Peter, potentially we can get you accepted for the £5000 you need. Are you on the electoral roll and do you have any active credit cards or loans? Edwin

Posted by on

Question.

Yes i am and i have a credit card. Thanks

Posted by Peter on

Answer.

Thanks for the update Peter. This is good news. Please apply and we'll do our best to get you approved :-)

Posted by on

Question.

Hi, I'm 20 yrs old and have been searching for a car on finance, with a fair credit rating, a job for over a year and multiple loans and contracts such as car insurance and a mobile phone contract. I have been told i still need a guarantor for a £6000 Citroen C2 Code. My mum refused to be that person, and there's nobody else who i can ask?

Posted by Lloyd on

Answer.

Hi Lloyd, you seem to be in good shape from what you have said. Who has said that you need a guarantor? Where have you applied online as this will give me an indication on whether we can get you approved on your own or not? Edwin

Posted by on

Question.

Hi, in the end I managed to get my mum too be a guarantor. I've gone for a £6000 Citreon C2 directly from a citreon garage, they have attempted to get me finance but i'm still being declined and my mum has a good credit rating as well.

Posted by Lloyd on

Answer.

Hi Lloyd, please make a joint application our website (with your mothers permission) and we'll try our best to get you approved for the £6000 that you need. Kind Regards, Edwin

Posted by on

Question.

Okay thanks Edwin we will get a application processed this evening

Posted by Lloyd on

Question.

Unfortunately my mum has decided not to be a guarantor. My brother may do it, but he's self employed and won't be able to prove his income. Would that be a problem?

Posted by Lloyd on

Answer.

Hi Lloyd, this may be a problem depending upon which lender we can get you accepted at (if at all). How old is your brother and does he have good credit?

Posted by on

Question.

My brother is 27 and his credit is okay

Posted by Lloyd on

Answer.

Thanks Lloyd, please apply when you have your brothers consent.

Posted by on

Question.

Hi Edwin. I'm 20, have a full time job earning around £2000 a month. I've held a UK driving license for one year now. I have a mobile phone on a contract, my car insurance and an account with a catalogue company all of which are paid on time every month. I have never missed a payment. I have being looking at a car that is £7600 and I have a deposit of £500. Do you think I could get the remaining £7000 on finance? Cheers, Reiss

Posted by Reiss on

Answer.

Hi Reiss, yes - there is a possibility as you have a full time job, a £500 deposit and some clean credit on your file. Please apply when you get 5 mins.

Posted by on

Question.

Hey, I was wondering I've seen a car on your site for £7500 that I wanted I apply for. I'm 20 years old and I have a credit score or 880 on experian (it's still classed in the Fair zone though). I have a loan with my bank that has approx £1500 left. I have a contract phone that ends shortly and a credit card that I've always had paid off (I've never missed a payment on anything). I have an income of £1800 a month after tax and live at home with my parents. But, I have struggled to get finance for a car in the past. I've applied for quiet a few car loans and I never get approved. I'll have a deposit of £1000.

Posted by Mathew on

Answer.

Hi Mathew, from what you say we may be able to help. You have a good credit history and score, you have a good income, a good deposit and a stable residential address history. The only factor is your age. However, i have one lender in mind who helps young people with good credit so please apply when you get 2 minutes.

Posted by on

Question.

Hello Edwin, I'm 19 and have been driving for 1 year. I have a good credit history and no history of driving offences. I'm currently working as a trainee draftsman. I have a secure job and I am earning £12,000 on my first year. Just a few questions, with finance I am able to pay £250- £300 a month for a car for up to 48 months if necessary. Also does your finance cover insurance also? Regards, Louis Evans

Posted by Louis Evans on

Question.

I'm 19 and I have a full time job with a monthly income of £1400. I'm looking for a £3k loan for a car. I have a contract phone, a £1k laptop on credit which is nearly payed off and an argos card which i have never missed a payment on any of them. Is there anything you can do?

Posted by Tom on

Answer.

Hi Louis, the finance we provide doesn't cover insurance costs unfortunately. However, as you have a good income and credit history we should be able to secure you £5000 to £6000 finance. Do you have a deposit at all and are you on the electoral register? Regards, Edwin

Posted by on

Answer.

Hi Tom, as you're earning decent money and you have some form of credit already there may well be a chance we can get you approved for the £3000 that you need. Do you have a deposit and are you on the electoral register at your current address? If so please apply when you get 2 minutes. Regards, Edwin

Posted by on

Question.

Hello Edwin, I am on an Electoral register. I am also able to put a deposit of £500 down at the moment but I am looking to scrap my car so it could increase. Regards, Louis

Posted by Louis Evans on

Answer.

Great news Louis, please apply when you get 5 minutes :-)

Posted by on

Question.

Hi Edwin, I was wondering if the finance can be used with a car that I found, not just on cars through yourselves as I've not seen anything I like on your website?

Posted by Craig Norquay on

Answer.

Hi Craig, this is an option depending upon what lender we get you approved with but we can source any car - what is on our website is only a small selection. What is it that you want?

Posted by on

Question.

Hi, I had my mind set on a 3dr Astra, 1.4l in either black or red preferably. However any colour would do, Just definitely a 1.4 3dr. Thanks.

Posted by Craig Norquay on

Answer.

Hi Craig, we'd be able to source you on if approved with no issues whatsoever. Have a great weekend and our manager Alex will be in touch on Monday :-)

Posted by on

Question.

Hi Edwin, do you know when I was supposed to be getting the phonecall or what time you are open until so I know the time scale of which it could be?

Posted by Craig Norquay on

Answer.

Are you free now and i'll get Alex to call?

Posted by on

Question.

Hi Edwin, I am currently working part-time but earning around £600+ per month, I am at college too. I have had credit cards, catalogue accounts and a phone contract and majority of payments have been on time. I will be 19 with everything payed off for when i'm looking to get finance. I would look for about £3,500 with a £1,000 deposit. Do you think i would have any success? Thanks :)

Posted by Claire on

Answer.

Hi Claire, we may be able to help as you have a good deposit, are employed and a fair credit history. Please apply when you're ready. Have a good weekend. Edwin

Posted by on

Question.

I'm a 20 year old male with two kids and living with my partner. I'm in full time employment at a primary school. Need a loan between £2000-£3000 to buy a decent car that will last my family a while. Could this be possible as my credit rating is good and I heard that if you are under 21 you require an excellent rating to apply?

Posted by Jac on

Answer.

Hi Jac, if you have a good credit record please just apply on our site. You don't have to be 21 etc. You're not after a big amount so i'm reasonably confident (without guaranteeing an approval) we'll be able to help. Let me know your reference number once you have applied :-) Edwin

Posted by on

Question.

Hi, I'm looking to get a car on finance and I'm only 19. Is it possible to put my dad as the registered keeper of the car but for me to pay the finance through my bank?

Posted by David on

Answer.

Hi David, if the finance is in your name then you'd have to be the registered keeper of the car. Your Dad could be a named driver on your insurance though. Edwin

Posted by on

Question.

Hello, I am 19 and in full time employment for which I have currently been working for 1 year. I take home £950- £1000 pcm. I currently have a phone contract and car insurance which is paid monthly and paid on time. Do you think you can find me car fincance up to around £4500 to buy a new motor, Thanks.

Posted by Jamie on

Question.

Hi, i'm a 20 year old male earning £1800 a month. What do you think my chances of getting car finance for £12000 would be? I've got £4000 to lay down as a deposit, i have no credit cards, i am on the electoral roll. The only direct debits i have are for car insurance and a phone bill. Also i have a full UK diving license. Cheers.

Posted by Joe Costello on

Answer.

Hi Jamie, as you're employed and have a little bit of credit already i'm confident we could secure you up to £4500. Would you have a deposit and can you prove your income with payslips etc? Also are you on the electoral roll at your current address? Edwin

Posted by on

Answer.

Hi Joe, as you have a large deposit of £4000 there is a chance of getting you approved for the £8000 that you need as you also have a decent income. What may go against you is that you have no active credit for lenders to base their decision on other than your phone bill. Car insurance isn't registered on your credit profile. Please apply though as we'll try our best to secure you with a lender that helps young people get on the financial ladder. Have a good weekend. Edwin

Posted by on

Question.

Hi there, I am 19 in part time work and at college. I earn between £500 and £600 a month but if i got a loan for a car i could work more hours, as the late hours at the pub just isn't easy for my mum to take me to and from as she also works. What would be my best bet to getting a loan or finance? I need roughly £1500 to £2000. Many thanks

Posted by Lily on

Answer.

Hi Lily, we'll certainly try and help. Do you have any current active credit history and do you have a deposit of any kind £200 - £300 for example? Edwin

Posted by on

Question.

Hi there, i do not know if i have any current active credit history. I have never taken out a loan or a credit card or anything like that really so if that is what you mean then no. With regards to the deposit i could deposit roughly £250. Thanks

Posted by Lily on

Answer.

Thanks for the response Lily. Could you gte one of your parents to act as a guarantor for you as this would improve your chances of being approved as from the sounds of it you have no credit history whatsoever? If not please still apply as we may be able to get you approved on your own :-)

Posted by on

Question.

I'm 19 and have been employed at a school since last september, just wondering if I would get finance for a car for around £5000 ish? I'm getting £700 a month and only have car insurance out of it. Thank you

Posted by Sophie on

Answer.

Hi Sophie, we may be able to secure you car finance as you're employed and i take it you have a full UK licence? However, do you have a good, fair or bad credit history? Do you have any other form of credit currently?

Posted by on

Question.

Hi, I'm 20 and I have a full time job earning about £900 a month. I live @ home and the only thing I have 2 pay 4 is my contract phone. I have been driving for 4 months and have never missed a payment. I need a new car and it will have to be on finance. Would my Nana be able to b my guarantor? If not it will have to be my mum but she's worried it will affect her credit score?

Posted by Rukaya on

Answer.

Hi Rukaya, your Nana could be your guarantor as long as you get her permission. Is she employed or retired? How much finance are you looking for and are you on the electoral roll at your current address? Would you have any form of deposit? Edwin :-)

Posted by on

Question.

Hi, my name is Kurt, i'm 19 and work full time as a security officer. My gross pay per month is around £1800 - £2100 and im after a £5000 loan to buy a reliable car as i have to travel to my job. I seem to have no credit but i have had small loans of £350 and paid them back on time. I have nothing in my name apart from tenancy agreement and car insurance. Would i be eligable? Thanks in advance.

Posted by Kurt on

Answer.

Hi Kurt, you have a good salary and i'd like to think we could get you the £5000 that you need but the lack of existing credit history may well cause an issue. Would you have a deposit and are you on the electoral roll at your current address? Lastly, would you be able to get a guarantor to strengthen your application - a parent potentially? Regards, Edwin

Posted by on

Question.

Hi Edwin, I'm 19 years old and looking to buy a peugeot 107 for around £7,999. Putting down a £500 deposit, so looking for finance of £7,499. I had an experian credit score of 589, a positive being I make all my payments on time and having never missed any, a negative being that I haven't had the credit for longer than a year. With a disposable income of £540 a month I can handle the monthly payments of around £140 however I would not be able to get a guarantor as both of my parents have bad credit history and are no longer home owners. How likely is it that I will be accepted for this credit?

Posted by Alex on

Answer.

Hi Alex, as you have some current clean credit and a £500 deposit there is a chance that we can get you approved for the £7499 that you need but this will ultimately depend upon your income if accepted. Are you on the electoral roll currently as this would strengthen your chances too? If so, please make an application and provide me with the reference number. Thank you

Posted by on

Question.

Hi I am 19 and a want a car finance of £20,000. I am on the election roll and make £18,000 a year. But have no credit history, but have a guarantor and putting down £1500. Is it possible to get this car finance?

Posted by Tushi on

Answer.

Hi Tushi, due to your age and the fact that you have no current credit you'll struggle to get anywhere near the £20,000 that you need. As you're on £18k per annum you'd be looking to get £5000 to £6000 approximately.

A guarantor would also strengthen your application (please ask their permission to go on the application first). The £1500 deposit would also help.

Please make a joint 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 reply. Only thing is my guarantor doesn't have a drivers licence. So would she still be able to get the car for me ?

Posted by Tushi on

Answer.

Hi Tushi, we do have lenders on our panel that don't require the co-hirer to have a driving licences so please discuss you application with your guarantor.

Posted by on

Question.

My son is 19, in full time employment for 9 months, earns £14k with no other credit. Looking to upgrade his car, can you help?

Posted by Chris Oliff on

Answer.

Hi Chris, we'd love to help your son. As he has little to no credit could you act as a guarantor? If not, is your son on the electoral roll at least at his current address? Does he have a contract mobile phone etc? Edwin

Posted by on

Question.

Hi, my name is Natasha. I turn 19 this weekend and I have been in my new full time job since 28th August 2012 and have earnt £1300 so far. I drive 60 miles a day and looking at buying a car from Vauxhall which is £16,500. I have had 2 credit checks before whilst i was in my part time job with no credit card, I had my mum as a guarentor and she has bad credit and i got declined. My 2nd pay day is on the 25th November. I am building up my credit rating, have never been in debt and have a credit card with a £500 limit on which i use for emergencies and have paid back and never had any late payments. I am going for a credit check at Vauxhall on 10th November. If they ask for a guarantor my parter will be this as he has excellent credit rating. My question is, is this enough and the right timing to maybe get accepted and what will happen if I then get declined? I need a good solid car as i work so far from home, not like this second hand car i have which keeps breaking on me. Please give me some good professional advice, as I just want to make the right choice. Thanks

Posted by Natasha on

Answer.

Hi Natasha, if i'm being 100% honest you won't get £16500 on finance due to your age even with a guarantor with good credit. You obviously have some good credit yourself, have a good income now and i take it you're on the electoral roll and have a full UK driving licence? However, the amount you're after is unrealistic. If a lender were even to consider lending you that amount of money you'd need a £5000 deposit as a minimum. Is this the case? If not, you be realistically looking at securing £5000 to £6000 for finance. I'm sorry to be the bearer of bad news. Kind Regards, Edwin

Posted by on

Question.

I am 19 and have always had good credit due to phone bills and car insurance coming out monthly i have recently gone self employed what are the chances of me getting car finance for £1800 with a deposit of £400?

Posted by Edward on

Question.

Hello, I currently have no CCJS but have fairly bad past debts that are now being sorted out with very small monthly payments. I have a £700 deposit but literally get refused credit on everything. I am only 20 and as my car has let me down now need a reliable and safe one for me and my daughter . Do I stand a chance?

Posted by Kirsty on

Answer.

Hi Edward, Apologies for the delayed response. As you have some good clean credit and you're only after £1800 with a £400 deposit i'm reasonably confident (without guaranteeing an approval) that we can help. Please apply when you are ready. Edwin

Posted by on

Answer.

Hi Kirsty. yes you do stand a chance as long as you are on the electoral roll and you have some current clean credit. Is this the case? Have a great weekend. Edwin

Posted by on

Question.

Hi there, i'm 20 years old and looking for car finance. I am currently employed part time and earn £1000 a month. I have been with them for 4 years and i also have a credit rating of 910 but obviously no credit history apart from a phone which is always paid on time. I was wondering if i would be able to get a £5000 car loan. Thank you

Posted by Mason on

Answer.

Hi Mason, as you have a little bit of clean credit, a decent income and a good credit score we should be able to get you approved. Please apply when you get 5 minutes and we'll have a decision within an hour. Edwin

Posted by on

Question.

Hi there, was just wondering what the chances of me getting £4k finance were, I currently take home £900 a month after tax . I'm 19, with the only expense being my phone bill. I have met all the payments and have a secure full time job. Regards, Michael.

Posted by Michael on

Answer.

Hi Michael, as you're only after £4000 we do have a chance. Please apply when you get 3 minutes and we'll hopefully have you approved within the hour. You have a good steady job and some clean credit history which is great. Are you on the electoral roll? Edwin

Posted by on

Question.

My 19 year old daughter is hoping to get finance for a car however she has no credit history, what would you advise?

Posted by Claire Y on

Answer.

Hi Claire, due to your daughters age and lack of credit history you would have to act as a guarantor to get her accepted for a car loan. Is this a possibility? Regards, Edwin

Posted by on

Question.

Hi there, I am 20 years old, and have just applied through a dealer for a car on finance - was told that they accepted me however I'd need a guarantor. My Mum and Dad are both in terrible financial situations through the years so neither can be one. Not to mention none of us are on speaking terms. If I get finance through car finance 24/7 will I need a guarantor? I am in full time stable employment earning over £16,000 a year. Please let me know ASAP. Thanks

Posted by Polly on

Answer.

Hi Polly, i'm confident we could get you approved on your own merit as you have a good income and have been provisionally approved with a car dealer already. If approved you could still get that car from the dealer and we'd just send them the funds for the vehicle. I hope that makes sense and i look forward to receiving your application. Edwin

Posted by on

Question.

Im 20 and have only one possible guarantor. Does the guarantors credit affect the decision? As my fathers credit is not good. Thankyou

Posted by Ben Wiggan on

Answer.

Hi Ben. You may not necessarily require a guarantor, it will depend on your credit profile. It will help if you have some form of active credit which is being kept up to date such as a credit card, mobile phone contract. Similarly being registered on the electoral roll will strengthen your chances of an approval as this makes you traceabl to the lender. Having a guarantor will not guarantee finance but it can help. The guarantor won't need to have perfect credit but this can help. It may be worth applying to you can find out what the best option for you is. Edwin

Posted by on

Question.

Hello EdwinI've saved up £5,000 wanting to finance a new car (for around 10-15,000). I'm now worried that because of my age, this won't be realistic for me.I'm on the electoral roll, earn a minimum of £1,700 per month, and have no negative credit problems such as late payments etc., but I only have one mobile phone contract and no credit cards or loans.Do you think I stand a chance?

Posted by Jack on

Answer.

Hi Jack, Unfortunately due to your age and lack of credit history we are limited to the number of lenders we can gain you an approval with. Similarly not many 20 year olds have any comparable credit such as personal loans / credit cards thus you would be limited to the amount you would be able to finance if we were able to gain you an approval.

From what you are telling me I believe that we may be able to secure you an approval but the £10-15k you require will be a stretch even though you have a £1700 monthly income. I would advise that you look into a joint application maybe with a parent if you have this option as this may strengthen your chances of an approval. Alternatively if you wait until you are 21 the number of lenders we can look to get you approved with will increase. I hope this answers your question.

Posted by on

Question.

I'm 19 and want a new-ish car to get me to my jobs (basically a little run around) so I don't have to keep spending money on fixing older cars. I'm an apprentice (full time) and also work part time, so I have money coming in and out, would it be possible for me to get finance for a car?

Posted by Steph on

Answer.

Hi Steph, It is definitely a possibility. However it will completely depend upon your credit profile. Due to your age there are only a small number of finance companies that will consider lending to you as you are seen as a higher than average risk. In order to be approved with one of these companies you would need to be registered on the electoral roll at your current address and have some form of credit. This can be a small credit card, an overdraft on a current account or a mobile phone contract. However you would need to be keeping up payments on any credit. I hope this will help. Edwin

Posted by on

Question.

I think I would need to register on the electoral roll and I only have one regular payment coming out of my account at the moment because I paid my car insurance in full, so I don't know if that would be enough. Is there any way of increasing my chances? Like using my parents details in any way? And do you know of any companies that may consider me? Thankyou for your help.

Posted by Steph on

Answer.

Hi again Steph. Unfortunately in that case I think we would struggle to gain you an approval.If you have the option maybe look at putting the finance in a prarents name. However they will be 100% liable for the vehicle. Thanks Edwin

Posted by on

Question.

Hi, that's a shame, so if one of my parents was to get the finance would I be able to have it in my name and be the sole user of it? Or would you recommend waiting a year and building up my credit first?

Posted by Steph on

Answer.

Hi Steph, It's entirely up to you. Your parents would be liable for the vehicle but you could change the V5 so that you are the registered keeper. Alternatively you could look to build your credit profile and apply in a few months. Thanks Edwin

Posted by on

Question.

Hi, I will have a talk with my parents then, they won't mind being liable for the vehicle because I drive like an old lady. Think it will be best to build up my credit profile first and hope I can find somewhere to take me on. Thank you so much for your help :)

Posted by Steph on

Answer.

Not a problem Steph I'm glad I could help. Please come back to us in a few months when you have had a chance to gain some credit. I am reasonably confident then that we will be able to gain you finance. Thank you Edwin :)

Posted by on

Question.

I have a credit rating of 779 due to a problem with a catalogue saying I owe them money. This is in dispute.I am 20 years old, earn 28k a year, have been employed for 4 years and furthermore get a £600 monthly car allowance. I have a £1000 deposit and was turned down by a car dealership for £19000 even with a guarentor.What can you help with? Can you help with this figure or any figure you think you could help with?I need a car no more than 2. Years old to be able to claim back fuel through my work where I do high mileageCheers

Posted by Nathan on

Answer.

Hi Nathan, Thank you for your question. Ok, well you may have been refused for a couple of reasons. Firstly your age is a slight issue as anyone under 21 will usually struggle to obtain vehicle finance for anything over £5k. Additionally such customers are required to have near on perfect credit and be registered on the electoral roll. Unless you have some form of comparable credit such as a previous hire purchase or a mortgage I predict that you would not be approved for more than this. Similarly having a guarantor doesn't necessarily guarantee finance but can strengthen an application. However it is still unlikely that you would be approved for such a large amount. I would advise that if you have the option put an application through in a parents name. They won't necessarily need to have excellent credit as we deal with most of the lenders on the market some of which will lend up to £25k to customers over 21 who have previously experienced credit issues. Alternatively you can wait until you are 21 and apply.I hope this makes sense. Thanks Edwin

Posted by on

Question.

Hi, I am 19 years old an I am on a guaranteed 3 year apprenticeship scheme with a guaranteed job after the 3 years. I have substantial pay increases year on year for the apprentice scheme. I have been working for the scheme for 5 months now and I am on roughly 950pm (14500pa). this goes to (23000pa) after 3yrs guaranteed. I am looking for a 5k loan for a car now. I am on the electoral roll and I have lived at the same address for nearly 10yrs with my parents. I have a phone contract that I have never missed a payment on and I used to pay my car insurance monthly but cancelled to pay in full. What are my chances of getting a loan with no guarantor?

Posted by David on

Answer.

Hi David, we should be able to help you. Your income is more than the minimum any of our lenders require so that is not an issue.You would need to make an application so we can take a closer look at your credit profile but from what you have told me I am confident we will be able to help. Thanks Edwin

Posted by on

Question.

Hi, I'm 20, on the electoral roll at my current address and work 36 hours a week. I have always paid for things on time and currently have a mobile phone contract, my current car insurance and sky tv coming out of my account and have never missed a payment. I'm looking for around £3000-3500 on finance with a £500 deposit. What are the chances of me getting finance on my own? Thanks

Posted by Naomi on

Answer.

Hi Naomi. From what you have told me I am confident that we will be able to get you approved as long as you have a full driving licence. Due to your age however we would not be able to gain you an approval of anything above £5k as you are seen as more of a risk, but the £3k you require shouldn't be a problem. Please make an application when you have five minutes. Thanks

Posted by on

Question.

Hi Edwin, I do have a full UK driving license and I did apply for the finance but was rejected. I know a guarantor would strengthen my application but the only person I could use is my dad but he is out of work. Do I have any other options? Thanks

Posted by Naomi on

Answer.

Hi Naomi, do you have a reference number? I can look into your application and hopefully offer some advice. Thanks

Posted by on

Answer.

Ok Naomi. Well the good news is there is nothing bad showing on your credit profile. The only issue is that your profile is weak with only a recently taken out current account showing. I would advise that you leave it a few month to start showing properly on your credit profile. Other than that your only option would be to try and apply for a bank loan, however many banks require that you have a current account with them for at least 6 months before applying, I hope this helps and I am sorry we couldn't gain you an approval this time. Kind regards, Edwin

Posted by on

Question.

Hello, I have had a full uk license since I was 17, have been working full time since I was 16 I am now 20 years of age. Earn £3,500 a MONTH and have a excellent credit history. The money isn't really the problem, it's being accepted for a car loan. I have my dad as a guarantor also who is a CEO and again, has excellent credit history. Missing payment ect is out the question. I want to borrow approximately £18,000 for a new car. Do you have any advice on what would be the best option to definitely get accepted? Thank you Thomas

Posted by Thomas Larner on

Answer.

Hi Thomas, thank you for your question. You obviously have the income and the credit history to match but due to your age we may well struggle getting you £18k on your own. The best way to approach this is by having your father acting as a guarantor and having a £2k to £3k deposit to hand. Would that be ok? Edwin

Posted by on

Question.

Hi, i'm 19 earn £1300 per month after tax, have a credit rating of 783, but no guarantor, and I'm not on the electoral roll. Would you guys be able to help me? I'm looking for £6000 over 5 years. Thanks

Posted by Ben on

Answer.

Hi Ben, as you have a fair score and a decent income i'm confident we could get you approved. Please apply when you get 2 minutes. Regards, Edwin

Posted by on

Question.

I am 20, I have a good 930 credit score. I always pay of my credit card and phone bill in full each month. I don't have anyone to use as a guarantor. Can you help with £3500?

Posted by Matt on

Answer.

Hi Matt, as you have good credit i'm reasonably confident (without guaranteeing) that we can get you a £3500 loan even though you're only 20 with no guarantor. Please apply when you get a moment. Kind Regards, Edwin

Posted by on

Question.

Hi, I'm looking for finance and i've just turned 20. I have a phone contract which i have never missed a payment on. I've been employed since 16 and have changed from an apprenticeship to full time employment. Would I be eligible for finance? Thanks

Posted by Dan Bashford on

Answer.

Hi Dan, as long as you can prove your income and are on the electoral roll at your current address we should be able to get you approved. Due to your age it will be difficult to obtain more than £4000 - £5000. How much do you need approx and do you have a deposit at all? Kind Regards, Edwin

Posted by on

Question.

I'm looking at a £10000 - £11000 car but own a £5000 car as deposit. So i'll be looking at the £5/6k mark. Proof of income is available in statements but not on the electoral roll. Thanks

Posted by Dan Bashford on

Answer.

Thanks Dan, how long have you been at your current address? The large deposit will help us but you may need to get on the electoral roll before you apply. However, if you have been at your current address for more than 3 years we won;t need to wait. Regards, Edwin

Posted by on

Question.

Iv been at the address 3 years feb 2013 and im looking into getting onto electoral roll , would I need a guarantor? Thanks for your help

Posted by Dan Bashford on

Answer.

Good news Dan, if you could add a guarantor onto the application it would improve your chances of being approved. Edwin

Posted by on

Question.

Hi, I'm 19 next month, have been working for over a year in a stable job earning £22,000 a year and have just checked my Experian credit rating and it has come up at 567.

Would I be able to get finance on a used car for around £4000 if I have a provisional licence as I'd like to learn in my own car?

I've taken out a few payday loans in the past which has affected my score but I have never missed a payment and I have no other major credit commitments. Also how much do you recommend I need to have for a deposit? Thanks

Posted by Jessica on

Answer.

Hi Jessica, thank you for your question.

As you have a stable job, a good income and a fair/poor credit score there is a chance we can get you approved for £4000. The stumbling blocks come in the fact that you have taken out payday loans in the past and you have a provisional licence. Lenders don't look favourably on people who take out payday loans unfortunately and as you only have a provisional you'd have to have good credit to get approved.

The only thing i can suggest is that a family member (parent) act as a guarantor. Would this be possible? Please get their permission first and make an application when you get chance. If approved you could be the registered keeper and named driver on the insurance policy so that you could drive the car. We do provide a no obligation quote and you can choose a car from any dealer. Kind Regards, Edwin

Posted by on

Question.

Hi Edwin,

I have literally just turned 20 this week. I have been a project manager in a bank for 18 months and am on £1500 net p/m. I have no monthly rent or mortgage payments. So, this is all disposable income.

I've got an Experian credit score of 762, have 4 credit accounts and no missed payments whatsoever. I can't get a guarantor at the moment. I'm looking for finance on a £8000 car with a £1000 deposit so £7000 lend required. I don't want to apply and get rejected as the credit searches will lower my credit score - as I'm sure you can appreciate.

Is it worth me applying? I have full drivers licence and am on electoral roll. I've lived at my current address for 12 years. Thanks

Posted by Jordan Stevenson on

Answer.

Hi Jordan, thank you for your question and apologies for the delay in responding. I hope you had a good Christmas / New Year!

Moving on to your question i'm reasonably confident we can help get you approved as you're on the voters roll, have a good income and a large deposit. The fact that you have a fair credit score and no missed payments will go in your favour too.

Please make an application asap and if approved we provide a no obligation quote and you're free to choose a car from any dealer. Kind Regards, Edwin

Posted by on

Question.

I am 19 and currently doing a business apprenticeship full time. I am on £400 a month (Terrible for someone my age i know) but this is going to go up to about a £1000 a month in 6 months time when i finish my apprenticeship.

I was just wondering if there is any chance at all of getting finance for a car? I have a full UK license and am just looking to get a car as i live about 7 miles away from my job. My Dad might be able to stand as guarantor (Haven't discussed it with him). I do have a mobile phone contract in my name that has always been paid on time, this is probably my only credit i have. Any answer will be helpful, Thanks.

Posted by Simon Wilson on

Answer.

Hi Simon, thank you for your question.

In response i'm confident we could get you approved for circa £4000 as you have some form of clean credit, an income and i'd imagine you'll be on the electoral roll.

If so, please make an application asap and once accepted we provide a no obligation quote and you can buy a car from any dealer. Adding your Dad as a guarantor would obviously aide your chances but this isn't a requirement. Kind Regards, Edwin

Posted by on

Question.

Hi, i'm 20 years old (will be 21 in July), in full time employment but currently on maternity leave returning in July - earning £15k a year.

I currently rent a flat, have a credit card in my name, phone contracts etc coming out of my account as well as an overdraft on my bank account. I have missed a few payments in the past but this has been just once or twice.

My partner is also in an apprenticeship earning (roughly £600 p/month!) I don't know our credit scores and we don't have any deposit for a car but mine is currently on its way out and we need a new one. Would there be any chance of me getting approved for a small amount of finance?

I would only want a cheap-ish car so not after a huge amount. Also, would it be possible to jointly apply? Or would it just be me that would go for it? Many thanks, Becky.

Posted by Becky on

Answer.

Hi Becky, thank you for your question.

As you have a good income and some current clean & active credit i'm reasonably confident, without guaranteeing an approval, that we could get you approved for a small amount. We do also have lenders on our panel who help people who have had a few missed payments in the past.

The benefit of applying jointly is that both sets of income can be taken into consideration when calculating the affordability of the loan and it can strengthen your chances of getting approved. As you're currently on maternity leave it may well be best making a joint application.

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

Posted by on

Question.

Thanks Edwin, i shall definitely apply when i have 5 minutes.

I did an Experian credit check last night though, and my score was 'poor' as a 629 score. And it also says i'm not shown on the electoral roll - although i'm renting so i should be!

Will this affect it in anyway? I've seen a lovely Mazda for £7000 but i'm guessing with my circumstances that would be too much to borrow? Thanks.

Posted by Becky on

Answer.

Thanks for the reply Becky.

Don't worry - we do help people with poor credit scores and being registered on the electoral roll isn't a mandatory requirement.

To get the £7k you need it may be best to make a joint application. Kind Regards, Edwin

Posted by on

Question.

Hello, there, I am 18, and applying for first year uni next year. As i would be living at home and need a car to get to and from uni, i wanted to get finance for the deposit of a hire purchase plan.

I would be receiving a maintenance grant, as well as a bursary, one of my parents are unemployed, and one is part time, and have a positive credit history. Is there a chance for me?

Posted by yasmine on

Answer.

Hi Yasmine, we could potentially help but you'd have to have a part time job and be able to prove your income. I'd also advise to add your parent who is in part time employment onto the application (with their permission of course).

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, I am currently 20, 21 in May. I'm an apprentice at the moment and was wondering if i would be able to get a car on finance? I earn about £460 a month. I don't have any other bills to pay or credit cards etc. I'm not looking to finance a new car, maybe even a few years old. Is there any chance i could get one?

Posted by Chloe on

Answer.

Hi Chloe, thank you for your question.

Due to your lack of credit history and low income we may struggle to get you accepted. To improve your chances could you get a co-hirer / guarantor such as a parent to go onto the agreement with you? This would also increase our lending options too.

We may still be able to help you on your own but can't guarantee an approval obviously. 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, I am 19 years old. I passed my driving test and have sent off for my UK driving license. I am currently doing an apprenticeship in which i am contracted to 30 hours a week. I earn upto £400-500 a month and sometimes even £600. I was wondering if I would be able to get a car on finance? I also have two phones on contract on my name and I pay both the bills. However if one of my parents could be a guarantor for me would that be possible and I be the registered keeper or would the guarantor have to be the registered keeper? I was a little concerned that I wouldn't be able to get a car on finance but I have now been working for a year and my credit history has not been bad neither have I been black listed for anything. Please could you get back to me? I would be rather grateful.

Posted by Zainab mukhtar on

Answer.

Dear Zainab, thank you for your question.

Firstly, congratulations on passing your driving test! You earn a regular income, and have some active credit which you are paying on time. This will help us find you an approval! A willing guarantor will also heighten your chances of approval.

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, I am 18 nearly 19 (will be when applying), and am currently looking into car finance but do not know if I'd get approved. I am registered on the electoral role and had a phone contract out on a month to month contract for about 4 months previously. I have never gone into overdraft, nor do I have a credit card. I will have a deposit of around £3000, and am looking at cars with a value of around £5500. I would like to be able to get finance over a 12 months and have the car paid off within this time. I have worked full time for over 2 years, and earn just over £1200 a month after tax. Would this sort of finance be possible without a guarantor?

Posted by Claire on

Answer.

Hi Claire, thank you for your question.

The fact that you are on the electoral roll, and have a phone contract that you pay on time is a really good step in establishing your credit history. You have a solid regular income, and a good deposit, all of which will help in your application.

It would benefit you to have a guarantor due to the fact that your phone contract is the only credit that you have really established. This is not to say however, that you can't apply on your own merit, because we do have a large panel of lenders, some of which have helped people in a similar situation to yourself in the past.

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, I'm 18 and I am a self employed Electritian. I am looking at getting finance (pcp) on a 4 year contract, for a car the value being £13,500. I get £1700 a month after tax and my expenditures for the month leave me with about £1400. Experian rated my credit as 828. I am on the electoral roll, have never missed any payments, and have a full UK driving licence. I have a deposit of £1800.

Posted by Matt on

Answer.

Hi Matt, Thank you for your question!

Your credit rating is very good, and the having a full licence and being on the electoral roll is fantastic, and should help your application! The fact that you have a regular income is great, however as you are self employed you will just need to make sure you have proof of income for us when you make your application. If you can't provide payslips, this can be in the form of a bank statement. We can certainly 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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