Car Finance for People on Benefits

Guaranteed Car Finance

Need a car but can't get credit? We specialise in guaranteed car finance for people on benefits who need to buy a car, but can't get credit elsewhere. If you are on benefits and need car finance then we have an unbeatable acceptance rate, you've come to the right place

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We always have a wide range of used cars available to drive away the same day from under £35 a week*


All circumstances considered - Benefits, CCJs, defaults, arrears, limited credit history - Whatever your circumstances we can help. Choose from a wide selection of quality used cars from a full range of manufacturers.


“No pressure to sign anything, friendly salesman, excellent after service, no pressure on stretching budget to get a different car… I spoke to a staff member who explained what cars they had in stock for my budget, arranged a day to visit and drove away the same day. I got a good part exchange price for my old car… I would definitely recommend for those like myself with bad credit…”


With us there are no awkward questions to answer. Repayment terms are agreed to suit your budget. You can apply for a no deposit scheme and even part exchange your old car. Your new car will have a long MOT and you can apply for 5-days of motor insurance (subject to acceptance & a £12.50 fee). Our free mechanical breakdown warranty will give you peace of mind that we will repair any mechanical or electrical fault on the car at the point of sale or during the period of the cover.

If you have been refused for car finance elsewhere due to being on benefits, you should know that it doesn't matter to us. This is because we have sole exclusivity with lenders, which makes us the Number 1 for Bad Credit Car Finance Approval in the UK.

If a percentage of your income is made up of Tax Credits such as Child Tax Credit or Working Tax Credit you will be pleased to know that, unlike some other lenders, we take this into account when calculating your income.

Read more about Bad Credit Car Finance on Benefits