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

Guaranteed Car Finance – 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.

Check Your Finance Eligibility With No Credit Check

Please ensure you fill out your details correctly so one of our experienced team can offer the best car finance deal, whether it’s 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.

The truth behind “guaranteed car finance no credit check” claims

No credit check is a term often welcomed by those who may have a bad credit rating. However, it isn’t all it’s made out to be. At Get Car Finance Here, we believe in full transparency and feel it is only right that those looking for a car on finance are presented with all available options to them.

In short, there is no such thing as guaranteed car finance without a credit check. Instead, companies like ours can provide you with a selection of lenders who will be willing to offer you car finance after a “soft check” has taken place. Once you apply to these companies, a hard credit check will be carried out and determine your full eligibility for their car finance loan. This is where your credit score will come into effect. The “soft check” we mentioned doesn’t harm your credit score or affect any credit applications.

Why no credit check car finance doesn’t exist: An ethical perspective

As brokers for car finance, we have a duty of care to those choosing to use our service. We want them to feel comfortable with what they are offered and that they don’t find themselves sinking into an unaffordable debt.

It is in fact illegal to offer 100% guaranteed car finance. The FCA forbids it. If such finance was to be offered, it would be deeply unethical to put those looking for a new car into a position where an agreement is made that can simply never be met. The credit checks that are carried out, aren’t there to say “no” to people looking for car finance. They are there to protect people from unaffordable interest rates, high deposits, and long-term debt. Making them ideal for people in need of bad credit car finance.

Understanding soft searches: Your path to car finance with no credit impact

At Get Car Finance Here, we want to make the process for getting car finance one that is easy, and ultimately as affordable as possible. That’s why we carry out a soft credit check to assess your application before taking it any further.

This allows us to ask a few simple questions. We can then match you with the best available lenders for your needs. Without harming your credit score, you can complete as many soft credit checks as you like, whenever you like, without seeing your chance for future credit affected. This initial application process allows you to have an idea of the car finance that may be available to you.

Boost your approval chances: Improving your credit score for the best car finance

If you have a poor credit history, lenders are more likely to be wary of how you manage your finances. As a result, they may offer higher interest rates, smaller amounts to borrow, or even turn you down altogether. At Get Car Finance Here, we help you secure the affordable finance you need, regardless of your credit situation or the finance type you need. There are things you can do though to improve your credit score and make car finance easier and even more affordable.

Firstly, check your personal details and have proof of where you live. Getting on the electoral roll would be a great start for this. You should then check this information matches your credit file. The smallest inaccuracy can cause huge changes to your eligibility for credit.

If you have no credit history, you have no score for lenders to work from. Obtaining a credit card, known as a credit builder, can be a good start. You’ll have a small limit and high interest, but if you can make monthly payments and manage it well, you’ll steadily build a good credit score. Likewise with bills. If the bills at home are paid on time, lenders will hold you in higher regard as they can see you can manage money. Finally, don’t max out any credit card you may have. If you are only ever using 30% or less of the credit limit on your card, a lender will see you much more favourably than someone regularly utilsing a higher amount of the limit available to them.

Responsible lending: How we assess affordability for no credit check car finance

We must stress, that all car finance applications will go through a credit check once you have a lender that matches your needs. However, during the process where our team sources lenders for you, we act with your best interest in mind to find the most affordable and relevant car finance to match your needs. Our soft credit check assesses your needs and then matches you with suitable lenders. This applies whether you are looking for first time driver finance, poor credit finance or no deposit car finance.

We will match your needs and pair you with a lender that can offer car loans, leasing or hire options. What we won’t do is provide you with a list of lenders that could demand excessive deposits and charge exorbitant interest rates.

Check Your Car Finance Options Now!

Success Stories That Started With a Quick Check...

5 Stars
From application to sitting in the drivers seat took 10 days
Paul Bolton
Great value for money
Great staff, and professionally run
Steve Cocker
Definitely recommend
Such hard working group of people
Chandelle Murray
5 Stars
Great staff lovely people very helpful
Alex Tulloch
Thank you
It was quick and easy. Definitely recommend!
Mr. Adams

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 can 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 Car Finance Exist?

Sadly, no. It is not possible to broker an car 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), makes 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 0800 042 0204.

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:

What are the benefits of no credit check car finance?

Benefits include;

  • Deals that reflect your actual earnings rather than credit score
  • Hard Credits decrease your overall score by 5-10 points
  • Hard Credit Checks stay on your report for 2 years
  • Preserve your current maximum credit limit

If your credit score does not reflect your current financial situation then a quick check application is ideal. By avoiding a hard check you will have access to a larger range of deals you can actually afford rather than your options being limited by a lack of or poor credit history. If you are interested in applying for car finance with no credit check, a friendly member of the GetCarFinanceHere team will guide you through the short process, call us on 0800 042 0204.

Do I Have To Pay To Be Guaranteed A Lease Arrangement?

No, applying with GetCarFinanceHere is 100% free and always will be. We cannot charge for ‘guaranteed car finance’ applications as it is absolutely impossible and unethical to guarantee anyone that they will be accepted. All we can do is guide you through the car buying process and ensure you are taking all the necessary steps to get the car you want at a cost you can actually afford.

Easy Steps To Apply Online With GetCarFinanceHere

Apply today
Get approved
Choose a car
Drive away

Applying for car finance couldn’t be any easier with GetCarFinanceHere. Simply start your
application online now for an immediate decision

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

Our Latest Affordable Car Finance Deals!

Volkswagen Crafter 2.0 TDI CR35

Finance From £379 Per Month

Land Rover Defender 110 2.4

Call for price

Skoda Octavia 1.6 TDI

Finance From £183 Per Month

MINI Hatch 1.5 One D

Finance From £131 Per Month

Chevrolet Cruze 2.0

Call for price

Volkswagen Golf 1.6 TDI

Call for price

Volkswagen Caddy Maxi 1.6

Call for price

Vauxhall Movano 2.3 CDTi

Finance From £354 Per Month

Porsche Boxster 2.5

Call for price

MINI Hatch 1.2 One

Finance From £165 Per Month

Hyundai ix35 1.7

Call for price

Hyundai TUCSON 1.7 CRDi

Call for price

Volkswagen Caddy Maxi Life 1.6 TDI CR

Call for price

Volkswagen Caddy Maxi 1.6 TDi

Call for price

Skoda Rapid Spaceback 1.0 TSI

Finance From £188 Per Month

Nissan Qashqai 1.5 dCi Tekna

Finance From £164 Per Month

Ford Transit Connect 1.6 TDCi 200

Finance From £203 Per Month

Ford Kuga 2.0 TDCi Zetec

Call for price

Ford Fiesta 1.6T EcoBoost ST-2

Finance From £231 Per Month

Citroen C3 1.2 PureTech Feel

Finance From £200 Per Month

Volvo V40 2.0 T2 GPF

Finance From £229 Per Month

Volkswagen Caddy Maxi Life

Call for price

Volkswagen Caddy Maxi 1.6 TDi C20

Call for price

Volkswagen Caddy 1.6 TDI

Call for price

Vauxhall Combo 1.3 2000 CDTi

Call for price

Vauxhall Antara 2.4

Call for price

Renault Kadjar 1.5 dCi

Finance From £188 Per Month

Peugeot Partner Tepee 1.6 HDi

Call for price

Nissan Qashqai 1.5 dCi Acenta

Finance From £224 Per Month

Mercedes-Benz Citan 1.5

Finance From £167 Per Month

MINI Hatch 1.6 One

Call for price

MINI Convertible 1.6 Cooper

Finance From £181 Per Month

Ford Mondeo 1.5T EcoBoost

Finance From £233 Per Month

Ford Focus 1.5 TDCi Zetec Edition

Finance From £194 Per Month

Fiat 500 1.2 Colour Therapy

Finance From £126 Per Month

Bentley Continental

Call for price

BMW X1 2.0 20d SE Steptronic

Call for price

BMW 5 Series 2.0 520d M Sport Auto Euro 6 (s/s) 4dr

Call for price

Volkswagen Caddy Maxi 1.6 TDi BlueMotion Tech C20 Maxi Startline FWD 5dr

Call for price

Volkswagen Caddy 1.6 TDI C20 Startline L1 H1 4dr

Finance From £199 Per Month

Toyota Yaris 1.5 VVT-h Dynamic E-CVT Euro 6 (s/s) 5dr

Finance From £498 Per Month

Renault Master 2.3 dCi 35 eco2 RWD L3 Medium Roof Euro 5 5dr (TRW)

Call for price

Land Rover Range Rover Evoque 2.2 SD4 Dynamic Auto 4WD Euro 5 (s/s) 3dr

Call for price

Kia Ceed 1.0 T-GDi GT-Line Euro 6 (s/s) 5dr

Finance From £236 Per Month

Ford Transit Connect 1.8 TDCi T230 Trend L3 H3 4dr DPF

Call for price

Ford Transit Connect 1.8 TDCi T230 Crew Van L3 H3 4dr DPF

Call for price

Chevrolet Orlando 1.8 LT

Call for price

BMW 3 Series 2.0 320d M Sport Business Edition Steptronic Euro 5 4dr

Call for price

Volvo XC90 2.4 D5 SE Lux Geartronic 4WD Euro 5 5dr

Call for price

Volkswagen Caddy Maxi 1.6 TDi C20 Maxi Life DSG FWD 5dr

Call for price

Vauxhall Vivaro 2.0 2900 CDTi FWD L3 4dr

Call for price

Vauxhall Combo 1.6 Turbo D 2000 Edition L1 Euro 6 (s/s) 4dr

Finance From £273 Per Month

SEAT Mii 1.0 12v I TECH Euro 6 5dr

Finance From £176 Per Month

Mercedes-Benz A Class 1.5 A180 CDI ECO SE Euro 5 (s/s) 5dr

Finance From £164 Per Month

Kia Sportage 1.7 CRDi EcoDynamics 3 2WD Euro 5 (s/s) 5dr

Call for price

Kia Sportage 1.6 GDi EcoDynamics

Call for price

Honda Jazz 1.4 i-VTEC

Call for price

Honda Civic 2.0 i-VTEC

Call for price

Ford Transit 2.0 350 EcoBlue FWD L3 Medium Roof Euro 6 5dr

Finance From £353 Per Month

Ford Fiesta 1.6 TDCi Titanium 5dr

Call for price

Fiat Panda 1.2 Easy

Finance From £188 Per Month

Citroen C1 1.0i VTR Euro 5 3dr

Call for price

BMW 1 Series 2.0 118d Edition ES Euro 4 5dr

Call for price

Volkswagen Caddy 1.6 TDI

Call for price

Vauxhall Meriva 1.7 CDTi

Call for price

Vauxhall Antara 2.2 CDTi

Finance From £148 Per Month

Peugeot 3008 1.6 HDi Allure

Finance From £164 Per Month

Peugeot 208 1.2 VTi Allure

Finance From £125 Per Month

Mercedes-Benz E Class 3.0 E350

Call for price

Ford Transit 2.0 350 EcoBlue

Call for price

Ford Mondeo 2.0 TDCi

Finance From £141 Per Month

Ford Fiesta 1.4 Titanium

Call for price

Ford C-Max 1.6 TDCi

Call for price

Citroen Berlingo 1.6 BlueHDi 850

Finance From £196 Per Month

Volkswagen Transporter 2.0 TDI

Call for price

Volkswagen POLO 1.0 TSI SE EURO 6

Finance From £245 Per Month

Volkswagen Passat 2.0 TDI

Call for price

Vauxhall Astra 1.6 CDTi ecoFLEX Design

Call for price

Vauxhall Astra 1.6 CDTi

Finance From £117 Per Month

SKODA Fabia 1.2 TSI

Call for price

Nissan Juke 1.5 dCi

Finance From £170 Per Month

MG MG6 1.9 DTi Tech

Finance From £156 Per Month


Finance From £163 Per Month

Kia Sportage 1.6 GDi

Finance From £339 Per Month

Ford Transit 2.2 TDCi

Call for price

Citroen Saxo 1.6i 16V

Call for price

Citroen Grand C4 Picasso 1.6 HDi

Call for price

Citroen Berlingo 1.6 BlueHDi 725

Finance From £260 Per Month

Vauxhall Meriva 1.4i

Finance From £235.35 Per Month

SKODA Octavia 2.0 TDI

Finance From £235.35 Per Month

Renault Kangoo Maxi 1.5 dCi

Finance From £187.64 Per Month

Porsche Boxster 3.2 987

Call for price

Porsche Boxster 2.7 986

Call for price

Nissan Qashqai 1.5 dCi Acenta

Finance From £208.87 Per Month

Mercedes-Benz B Class 1.8

Finance From £206.23 Per Month

Kia Venga 1.6

Finance From £240.23 Per Month

Citroen C3 Pluriel

Call for price

BMW Z4 2.2i

Call for price

BMW 5 Series 2.0 520d SE

Call for price

BMW 4 Series Gran Coupe 2.0 420d

Call for price

Volvo V40 1.6 D2

Finance From £196 Per Month

Volkswagen Polo 1.0 TSI R-LINE EURO 6 (S/S) 5DR

Finance From £360 Per Month

Vauxhall Mokka 1.6i Exclusiv

Finance From £199 Per Month

SKODA Fabia 1.6 TDI

Call for price

Renault Trafic 1.6 dCi

Call for price

Porsche Panamera 3.0D V6

Finance From £633 Per Month

Peugeot 208 1.6 e-HDi

Finance From £142 Per Month

Nissan Qashqai 1.2

Finance From £223 Per Month

Ford Fiesta 1.6T EcoBoost ST-3 Euro

Finance From £302 Per Month

Ford Fiesta 1.6T EcoBoost ST-3

Finance From £223 Per Month

Ford Fiesta 1.6T EcoBoost ST-2

Finance From £223 Per Month

Ford Fiesta 1.6T EcoBoost ST-1

Finance From £236 Per Month

Citroen C4 Cactus 1.6 BlueHDi

Finance From £125 Per Month

BMW 3 Series 2.0 320d

Call for price

Ford Fiesta 1.6T EcoBoost

Finance From £228 Per Month

Ford Fiesta 1.25 Zetec

Call for price

Vauxhall Insignia 1.6 CDTi SRi VX

Finance From £270 Per Month

Skoda Fabia 1.0 TSI Colour Edition

Finance From £229 Per Month

Mitsubishi L200 2.5 DI-D Barbarian

Finance From £303 Per Month

Mercedes-Benz CL 6.0 CL600

Call for price

Land Rover Range Rover 4.4 SD V8 Autobiography

Finance From £951 Per Month

Isuzu D-Max 2.5 TD Double Cab Pickup 4×4

Finance From £350 Per Month

Ford Focus 1.5 TDCi ST-Line

Finance From £319 Per Month

Nissan Navara 2.5 dCi Tekna Double Cab Pickup Auto 4WD Euro 5 4dr

Finance From £303 Per Month

Citroen DS3 1.2 PureTech DStyle Plus Euro 6 (s/s) 3dr

Finance From £148 Per Month

Bentley Continental 6.0 GT 2dr

Call for price

BMW 3 Series 3.0 325d SE Steptronic Euro 4 2dr

Call for price