Car Finance Universal Credit

GB Car Finance

We are often asked whether being in receipt of Universal Credit makes being approved for car finance impossible. With us, it does not!

If you have a low income and your household budget relies on Universal Credit (previously Child Tax Credit, Housing Benefit, Income Support, income-based Jobseeker’s Allowance (JSA), income-related Employment and Support Allowance (ESA) and Working Tax Credit) to help you make ends meet, you may find getting a car finance approval with a traditional lender difficult. At GB Car Finance we understand that having a car that is reliable enough to get you to work on time and safe enough to transport your family is essential and that's why we work hard to get you the car finance approval you need.

Car Finance Universal Credit

It can be the case that some lenders see Universal Credit as a temporary income and so tend to decline car credit applications from people who's income includes any type of benefit.

Fortunately, not all lenders are the same. We understand that everybody's circumstances are different and will discuss your situation with you to make a responsible lending decision based on the entire range of factors. Because of this, we could say "Yes" when everybody else says "No", even if you have already been turned down by one or more other lenders.

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“I was turned away by five other garages offering credit for people with bad credit history, but these guys actually did it!”


Because we specialise in approving people in receipt of Universal Credit, even if they have been turned down elsewhere. Whatever your circumstances our understanding, friendly staff could help and CCJs, defaults, arrears or a limited credit history may not necessarily lead to a negative decision. If you run your bank account properly we could say "Yes!" and if you do this and are permanently employed, we could help!

Can you get car finance while on Universal Credit?

Getting approved for car finance if you are in receipt of Universal Credit is definitely possible and we have been able to find car finance for customers regardless of their circumstances, even those who have had problems with bad credit in the past.

Car finance for bad credit and Universal Credit

A high percentage of our customers will have struggled with debt in the past, so you shouldn't be put off applying to us because you feel that poor credit automatically excludes you from a car finance approval - This is not the case and we could help people with bad credit to access used car finance.

When you apply to us for a car loan, we consider all circumstances so whether you have CCJs, defaults, arrears or a limited or no credit history, or are self employed with a difficult to prove income or in receipt of benefits, we'll work hard to get you the car credit approval you need.

However bad you consider your credit to be, you can still apply to us and we could say yes even when others have said no. Apply now and you could have a decision in minutes.

Quality Used Cars on Finance

We understand that having a car that is reliable enough to get you to work on time and safe enough to transport your family is essential so you will always find an extensive selection of quality used cars from which to choose from a full range of manufacturers. So whether you are looking for a reliable family saloon, an economical hatchback, a practical people carrier, or something a bit sportier, we could help.

What if I've already been declined?

It is sometimes a concern for people that have been turned down by one lender, that everybody else will also decline your car finance application. This is especially true when you're applying to multiple brokers who all use the same lender to finance the deal. Even if you have been rejected elsewhere you could still apply to us because we specialise in providing access to funds from a wide range of lenders who could help you to find car finance regardless of your circumstances.

With us, you will be under no pressure to sign anything. As you'll see from our car finance reviews, we're famous for our friendly, no-pressure customer service. Complete the form opposite to apply now and you could be approved and driving away the same day. Repayment terms are agreed to suit your budget.

You may be wondering why being in receipt of Universal Credit or other benefits can make it so difficult to be approved for car finance. All lenders have their own criteria that they use when deciding whether to approve or decline a car finance application and some do not include Universal Credit when calculating your income, due to the risk that payments could cease to continue. We take a holistic view of your financial circumstances and will work hard to help you buy the car that you need. If you're worried about being declined, don't be. Our panel of lenders could approve people who've experienced money problems in the past.

Many of our customers have struggled with debt in the past, with missed payments, defaults or arrears, so don't feel put off applying to us. We regularly help people with bad credit to access used car finance. Even if you have County Court Judgements (CCJs).