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No Guarantor Car Finance

Woman sitting on bean bag with laptop happy with no guarantor car finance approvalWoman sitting on bean bag with laptop happy with no guarantor car finance approval

If you have been declined elsewhere for car finance due to not having a guarantor,
we can help you.

We offer car finance for people with past or present bad credit with no guarantor needed

Man with arms in the air celebrating no guarantor car finance approval

Get Car Finance without a Guarantor

When looking to finance a new car and you don’t have the best credit history, you’ll find many lenders who want to help you but only if you have a guarantor to co-sign your agreement. We understand how frustrating that is for those who would rather not have to rely on someone else helping and effectively, taking on a joint financial commitment; it can be a lot to ask of a family member, partner or friend. That’s why at The Car Loan Centre we are proud to be different, offering car finance that not only helps those with bad credit but also without the need for a guarantor.

Man with arms in the air celebrating no guarantor car finance approval

Our car finance for bad credit and no guarantor provides the perfect solution if you have been turned away or declined by other lenders. Not everyone has the option of having someone to be a guarantor for their loan and in many situations, a lender will request a guarantor because they have focused on your credit score* and history. That’s where we work differently as we don’t rely on what your credit score* is to approve your application, instead we assess your affordability and decide based on what your circumstances are. We are a lender and not a broker, meaning the decision is ours to make, all whilst following approved guidelines as we are regulated by the Financial Conduct Authority (FCA) and are Specialist Automotive Finance Approved by the Finance & Leasing Association. As a trusted lender of car finance without a guarantor, we can help you where others can’t.

Bad Credit Car Finance Without a Guarantor

We can’t offer guaranteed car finance with no guarantor, however, we can promise that your application will be reviewed based on you and your affordability, so you won’t have to worry about finding someone to help you buy your next car. We do accept joint applications if that’s something you want to do, but we will never request that you find a guarantor so that we can approve your loan. We’ve helped many individuals drive away with no guarantor car finance, providing a service they just couldn’t find elsewhere. It’s really easy to start an application online with us when you hit Apply Now or request a callbackrequest a callback. You’ll need to meet the following requirements so that we can help you with car finance for bad credit and no guarantor:

  • Aged 18 years or over (no maximum age)
  • Hold a valid UK/EU Driving Licence
  • Current UK Resident
  • Employed/Self-Employed or Unemployed all considered

If you meet the above and want to apply for our no guarantor car finance today, we are ready to hear from you. Remember, as bad credit car finance specialists, we can help you if your credit rating is less than perfect. So, if you have ever had arrears payments, CCJs, Defaults or even if you are ex-bankrupt, we are still willing to offer approval and no guarantor needed.

If you have any queries, please do get in touch today or request a callbackrequest a callback.

If you want to browse our stock of vehicles, you can view our available cars and find your favourite before applying.

No Guarantor Car Finance FAQs...

As specialists in bad credit car finance without a guarantor, you do not need to provide us with a guarantor to co-sign your agreement. We want our car finance to be available for you no matter your financial history. If you have the proven affordability to make the repayments you want, there is every chance we could help. You may not be aware but for those interested we also offer the country’s cheapest Logbook Loans, you’ll also benefit from not needing a guarantor.

Yes, as long as you are not currently bankrupt or filing for bankruptcy, we can help you. Car finance for bad credit and no guarantor is possible through us because we take the time to review what your current affordability is. We also appreciate how inconvenient it is to find someone to be a guarantor for your car finance which is why we have much wider eligibility requirements. Even if you’re looking for car finance on benefits with no guarantor we can still help.

We look past what your credit history shows, understanding that many people may have had issues with their finances in the past. We don’t want that to stop you from getting a great car on finance at The Car Loan Centre. Many other car finance lenders will focus on what your credit rating currently is before even assessing your affordability. Our process is far more personal, we review your income and expenditure to get your monthly affordability and then we run a credit check to support your application. We can’t guarantee you will be approved, but we guarantee that no guarantor is needed to apply.

We work as quickly as we can to provide approval, but the processing time will vary between applicants. We advise having all the necessary information about your finances ready for when you apply, just in case we need to contact you to confirm any details. Once our underwriters have all the information and necessary documents, the quicker a decision can be made on your no guarantor car loan.

Ready to start your journey towards No Guarantor Car Finance?

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The Car Loan Centre is a trading style of The Asset Exchange Ltd. The Asset Exchange Ltd is authorised and regulated by the Financial Conduct Authority, firm reference 729827. Registered Address: The Car Loan Centre, 77 Wollaston Way, Burnt Mills Industrial Estate, Basildon, Essex, SS13 1DJ, registered company no: 08679485.

We are a lender, and not a broker, and operate with a flat interest rate for all customers. We pay our sales team a flat rate of commission for vehicles sold, and this does not affect the terms of your agreement, nor is it affected by your choice of vehicle or the terms of your finance. We may receive commission from other third parties as a fixed fee or fixed % of commission to us for introducing you to their services with your consent. If you elect to purchase one of these 3rd party products/services we may pay our sales person an additional commission for this, For example if you choose to take an extended warranty. If you would like a breakdown of all third parties who may pay us a commission in certain circumstances this can be provided on request.