Car Finance with Bad Credit and No Guarantor

Looks complicated, right? It’s actually pretty straightforward. 

You may be under the impression that you need a guarantor to support your application. And if you’re struggling with bad credit, applying for finance on your own can be daunting. 

However…

No guarantor car finance can give you more independence. And, when weighing up your options, you’ll be able to choose a loan type that best fits your budget. 

Not convinced? Our reputation speaks for itself. At We Finance Any Car, we’ve been helping people find suitable bad credit finance agreements for years.

Supported by our lenders, trusted by you.  

Bag your new car in 3 simple steps

1. Fill out our quick and easy application form – the more information you can give us, the better!
2. Find your car – we have thousands of new and used cars in stock, available from reputable dealers up and down the country. 
3. Sign on the dotted line (electronically, of course) – once you’ve been approved, we’ll work hard to find you favourable rates.

Take control of your car-buying journey with affordable car finance today.

Are you likely to be approved without a guarantor?

Car finance is never guaranteed and your chances of approval will depend on several factors. However, at We Finance Any Car, you’re in the best position to secure a deal. 

Your financial situation is unique. This means that your eligibility for no guarantor car finance will differ from other applicants.

Here are a few things to consider:

• Do you have a reliable source of income? Lenders will need to be confident that you can meet the monthly deadlines in full and on time. 
• Are you in full-time employment? Although this can help to boost your application, our panel will also consider self-employed applicants as well as offering car finance for people on benefits. 
• Do you have a poor credit history? This can make things a little tricker, but it’s by no means impossible to secure car finance with bad credit. Whether you’re a young driver with no credit history or have a CCJ on your file, you can still apply. 
• Can you provide proof of residence? Having a stable address will provide additional reassurance to lenders.

To give you the best chance of success, our lenders will review multiple aspects of your profile before coming to a decision. 

They will also use a soft credit check to assess your affordability. This will give us a good idea of whether you’re eligible for car finance, without affecting your credit score. 

Set your budget and apply with confidence

Whether you have a guarantor or not, the responsibility for making the monthly repayments falls on you. So, being able to afford car finance should be your number one concern. If you fall behind or consistently miss deadlines, it will only cause further credit issues and stress.

The solution? Get a handle on your finances.

Our easy-to-use online calculator can help you determine a manageable monthly payment plan. And to give you a better understanding of your budget, our friendly team is always available.