Guaranteed car finance options

  • Step 1 - Quick Finance Check
    *this does not impact your credit score
  • Step 2 - Receive your score
    Fill in your details to receive your personalised eligibility score
  • Step 3 - Apply now online or call us
    If you are happy with your score, simply apply online. If you are unsure, we'll give you a call.

Calculate Your Car Loan

Monthly Budget
£
Credit Rating
Pay Back Over

Estimated loan amount £4,652With a £500 Deposit

5,000+

Vehicles meet your selected parameters

Quick Check!

Unsure if you'll be accepted?

Check first with Quick Check for free!
With no impact on your credit score.

Quick Check

For an indication with out any credit checks


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Please answer the questions as accurately as you can.
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The system will now calculate an indication and display it on screen now, please provide your basic details in the mean time

We can then email a report of the indication if you wish as well as supply the indication on screen now
If your indication supplied now means you wish to proceed with an application you can ask for us to call you immediately or at a chosen time

Our system indicates your criteria matches with a

Amount of lenders we currently have, the more lenders we have that will consider your application the higher chance we have of securing you car finance!

What do I do next?

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Click here to call now for all options..
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RAC Warranty

Rest easy with up to 3 years RAC warranty on all our cars

Check Your Finance Eligibility With No Credit Check

Guaranteed car finance without a credit check is not always possible, however GetCarFinanceHere can help you find out if you could be eligible for car finance without subjecting you to a hard credit check. All you need to do is answer 5 simple questions on the Quick Finance Checker to receive your personalised score. Please ensure you fill out your details correctly so one of our experienced team can offer the best car finance deal whether its for a new or used car. Our team is ready to answer any questions you may have regarding guaranteed car finance with no credit check. Got a question? Give us a call on 0800 042 0204.

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Success Stories That Started With a Quick Check...

3 ways to guarantee car finance

If you have good credit or bad credit, there is no harm in using our Quick Checker to give you a guide on your current eligibility for car finance. GetCarFinanceHere compare a variety of car finance options such as Hire Purchase, PCH and PCP.

1. Provide a Deposit

The first option is to supply a deposit; if you pay a reasonable deposit, this improves affordability by reducing the monthly payment. This can help improve your chances of guaranteeing car finance.

2. Rely on a Guarantor

GetCarFinanceHere have found in our years of experience brokering deals for happy customers, that other key factors such as using a guarantor will help to guarantee the success of your car finance application. This is a popular choice for applicants with a poor credit history. Provided you have a family member or friend that believes you will keep up repayments and agrees to meet them if you can’t, we can supply credit. All they have to do is agree to be a guarantor and sign a few documents. If you are interested in using a guarantor, start the process online by using our simple Quick Check tool.

3. Payment Box - Get Financed While Improving Credit Score

The increasingly popular third option recommended by GetCarFinanceHere is the payment box method. This involves a ‘black box’ being installed in the car to ensure that payments are made. If they aren't, the car simply won’t start. As long as you keep up the monthly repayments, everything will go smoothly; at the end of your term your credit score should have improved. You might then wish to look at vehicles with higher specifications. Ask a member of our team to see if you could be guaranteed car finance by opting for a payment box setup.

Does 100% Guaranteed Auto Finance Exist?

Sadly, no. It is not possible to broker an auto finance package deal for every single person. It’s rare, but a small percentage of applicants simply do not have the means to afford any of the options available to them. In these circumstances, it would be unethical for brokers to arrange an agreement the customer is unable to meet. Our regulator, the Financial Conduct Authority (FCA), make it clear that it is illegal to advertise 100% guaranteed car finance.

Rest assured, at GetCarFinanceHere, every applicant is treated with professionalism and careful consideration. Don't worry if you are concerned about poor credit history or have a low credit rating, GetCarFinanceHere can present you with an incredible range of car loans, leasing and hire options.

But what if i have bad credit and can’t arrange a guarantor?

Even if you have a poor credit rating and no guarantor, GetCarFinanceHere will scour the market for the right deal for you. Many motor finance options demand that you provide a guarantor in order to secure the deal you want. The reality is that many people are incapable of providing a guarantor as friends or family are not in a position to shoulder the financial risk.

Our network of trusted lenders of course offer options with guarantor loans, but if this is not for you, GetCarFinanceHere can get you on the road without having to rely on a cosigner. All you need is a full UK Driving Licence, the means to provide a small deposit or part exchange and to be registered to vote at your current residence. Discover how you can be guaranteed affordable car finance by speaking to a member of our support team, call 0330 127 3626

Can I Get A Car Loan With No Credit History?

1 in 6 people don't have a credit history which can make arranging a car loan difficult as lenders will set higher interest rates and require a larger deposit as they are unable to verify your reputation for making monthly payments. Even when this has no impact on their financial situation, a lack of credit history can prevent first time drivers, students, graduates, mature drivers and young professionals from getting the car finance they need. Often, they have no debt, so it's unfair for them to be punished with quotes offering cripplingly high rates of interest and APR! GetCarFinanceHere understand this predicament; you can't wait a year to build up a respectable credit rating to finance a car you need now!

Consider which finance option is best for you:

Easy Steps To Apply Online With GetCarFinanceHere

Apply today
Get approved
Choose a car
Drive away

Applying for car finance couldn’t be simpler or faster than with GetCarFinanceHere. Start your application online for an immediate decision.


For any other information, you can speak to a member of the team by calling us on 01282 544532