Car Finance for People on Tax Credits

Car Finance

If your household budget relies on Tax Credits such as Child Tax Credit or 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 harder than anybody else to get you the car finance approval you need.

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Because we have sole exclusivity with lenders we have an unbeatable acceptance rate and specialise in approving people in receipt of Tax Credits (e.g. Child Tax Credit or Working Tax Credit) and other benefits, even if they have been turned down elsewhere. Whatever your circumstances our understanding, friendly staff can help and CCJs, defaults, arrears or a limited credit history need not be a problem. We finance your future, not your past so as long as you run your bank account properly we can say "Yes!" and if you do this and are permanently employed, we can help!


Choose from a wide selection of quality used cars from a full range of manufacturers, available to drive away the same day from under £35 a week*


With us, there are 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. 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, with no deposit schemes available. You can 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 and a £12.50 fee). Our free mechanical breakdown warranty will give you peace of mind that we will repair any mechanical or electrical faults during the period of cover.

You may be wondering why being in receipt of tax credits 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 tax credits such as Child Tax Credit or Working Tax Credit when calculating your income, due to the risk that payments could cease to continue. We take a much more holistic view of your financial circumstances and will work harder than anybody to help you buy the car that you need.

If you're worried about being declined, don't be. We approve people who've experienced money problems in the past every day. Simply complete the form above and a member of our friendly team will be happy to call you and discuss the options available.

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).