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with no guarantor
Find a deal in minutesCar finance deals from 9.9% APRNo impact on your credit eligibility checkHow it works?
Getting a car loan is easy - you just need to follow a few steps to get the most favourable offer possible
Apply for your loan
Receive the money
Pay it back over time
Our Lenders
We work with over 15 lenders offering 100+ HP and PCP deals so that you could have the best offer.
Car finance calculator
With the help of the calculator you can roughly estimate possible car loan options
Finance calculator
- 36 mo
- 42 mo
- 48 mo
- 60 mo
Your estimated examples
What does car no guarantor car finance mean?
No guarantor car finance means you take full responsibility for repaying the loan, without needing someone else to back you up. Simply put, you don’t need a third party to guarantee the loan if you face payment issues. This type of finance gives you control and independence, with the commitment to make payments on your own terms.
Can I get car finance with bad credit and no guarantor?
Yes, you can secure car finance with bad credit and no guarantor. Even if you have a low credit score, limited income, or are older, some lenders provide flexible options. To improve your chances, show that you can meet monthly payments reliably. Our team can help you find a car loan tailored to your needs without affecting your credit score. Contact us today to explore your options and start your personalised search for car finance with no guarantor, even with bad credit.
What do you need to apply for car finance
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To apply for car finance you need to
- Your name. This is your personal information that you provide on your auto loan application.
- Date of birth and nationality. This data is necessary to determine your creditworthiness.
- Your recent address history. This information helps the lender assess your stability.
- Tour employment status. Indicates your current job and income.
- Your income and expenses. Information about your financial situation.
Requirements
- Be aged 18-75 years old
- Requires initial deposit
- Receive a monthly income of £1,000 or above
Use the financial calculator
With the help of the calculator you can roughly estimate possible car loan options
Finance calculator
- 36 mo
- 42 mo
- 48 mo
- 60 mo
Your estimated examples
How does car finance without a guarantor work?
No guarantor car finance starts with a quick online application on our website. Our team connects you with lenders who consider all credit histories, making the process straightforward and accessible. Applying through us won’t affect your credit score, so you can explore options risk-free. We streamline every step, making it easy for you to secure financing for your next car without any hassle.
Why apply for car finance without a guarantor with CarFinance?
We offer many favourable car loan options for your needs and select the best deals from reliable providers
Get your car finance online
Get car finance options with no impact on your credit score.
Buy a car from any dealer
Once approved, collect or get your car delivered to you.
Car finance quality assured
We’ll do a thorough vehicle HPI, full-service history and MOT check. Buy with confidence.
FAQ
We've collected the most popular questions about car loans from our customers
Can I get no guarantor car finance with bad credit?
Yes, it's possible to get no guarantor car finance with bad credit, with a common representative APR of 19.9%. Car-Finance works with a network of lenders, including specialists in car finance for those with bad credit. Even if you've had difficulties with repayments in the past or have a limited credit history, we can help match you with a car loan that suits your needs. However, finance is subject to status, and your eligibility will depend on the lender's assessment of your individual circumstances.
Does applying for no guarantor car finance affect my credit score?
Applying with Car-Finance uses a soft credit search, which does not affect your credit score. You only get a hard search when you formally accept a finance offer.
How quickly can I get approved for no guarantor car finance?
Many of our customers receive a decision in minutes. Once approved, you can choose your car and drive away the same day.
Can an 18-year-old get car finance without a guarantor?
Yes, you can apply for car finance at 18 without a guarantor, though approval depends on your credit score, income, and employment. A steady income and job increase your chances with lenders who consider younger applicants.
Can I get car finance with no guarantor and no credit check?
No, car finance without both a guarantor and a credit check isn’t available. Lenders need credit checks to assess affordability. Many use a soft check that doesn’t affect your score, while some use hard checks that do. Contact us for guidance on these options.
Do I have to pay a deposit when applying for the no guarantor option?
Deposit requirements vary by lender. While some lenders don’t require a deposit, putting one down can reduce your monthly payments. Contact us to find out if a deposit is necessary for your loan.
Can you get car finance on benefits with no guarantor?
Yes, you can get car finance on benefits without a guarantor, as long as your monthly income after tax is over £1,000. Check our guide for more information on the types of benefits accepted.
Is there guaranteed car finance with no guarantor?
No, guaranteed car finance without a guarantor isn’t available. Be cautious of any claims suggesting otherwise.