Bad Credit Car Finance on Benefits

Car Finance for people on benefits

We are often asked how to get car finance while on benefits such as Employment and Support Allowance (ESA), Income Support, Incapacity Benefit (sometimes called Disability Benefit), Jobseeker's Allowance (JSA, sometimes called Unemployed Benefit), Tax Credits (Working Tax Credit and/or Child Tax Credit), Universal Credit or Housing Benefit.

It can be the case that some lenders see benefits 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 can say "Yes" when everybody else says "No", even if you have already been turned down by one or more other lenders.

Apply Now


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


Can you get car finance while on benefits?

Getting approved for car finance when on benefits is definitely possible and the proof of this is in the many thousands of people that we have been able to approve for car finance regardless of their circumstances, even if you have had problems with bad credit in the past and are now on benefits.

Car finance for bad credit and benefits

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 w.e regularly 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, nobody works harder 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 can say yes even when others have said no. Apply now and you could be approved within the hour.


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


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 including Ford, Vauxhall, Toyota, Mazda, Volkswagen, Peugeot, Renault and Fiat. So whether you are looking for a reliable family saloon, an economical hatchback, a practical people carrier, or something a bit sportier, you'll probably find it at one of our many showrooms throughout the UK.

What's the process?

Apply today and one our friendly, professional team will contact you to take you through our quick, easy approval process. When you're approved (which usually happens within an hour!), we'll arrange for you to visit one of our many car showrooms around the UK where you'll be able to choose from a wide selection of quality cars, agree a car finance package with affordable repayment terms to suit your budget (no deposit schemes are available too and you can even part exchange your old car) and drive away your new car the same day!

Throughout the application process, there will be no awkward questions to answer and you will be under no pressure to sign anything. As you'll see from our reviews, we're famous for our friendly, no pressure salespeople and excellent after-sales service. Apply now and you could be approved and driving away the same day.

Your new car will come with a long MOT and a free Mechanical Breakdown Warranty to 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 cover.

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 should still apply to us because we have access to funds from lenders who deal exclusively with us and not with anybody else.