Guaranteed Car Finance - a FREE service that allows you to choose the car you want from the garage you want


We have tried to answer the most common queries here, but if there’s anything we haven’t addressed, please ask uk by using the contact form and we’ll get back to you as soon as possible.

How do I apply for guaranteed car finance?

To apply, just head over to our Apply Now page and fill in and submit the application form. We’ll call you back after receiving your application and begin discussing your options. It’s as easy as that!

How can we guarantee car finance?

We can guarantee car finance because we compare a range of lending options, at different tier levels. We can help the majority of our customers who have bad credit scores with a finance agreement tailored to fit their needs.

Can I get guaranteed car finance if I have a bad credit rating?

Even if you have a bad credit rating, in the majority of cases we can offer you car finance.

Unfortunately there are some instances in which we may be unable to provide a guaranteed car finance agreement, such as if you are currently bankrupt. We always urge our customers to contact us to find out if we are able to help.

Can you help me find a car?

We offer three options to our customers when choosing their car, which are;

  1. Choose a car from an independent dealership, and have us negotiate the price on your behalf.
  2. Choose a car from an independent dealership, and negotiate the price yourself.
  3. Tell a sales advisor the car you want, and let them locate and negotiate the price for you.

Do you provide finance for vans?

Yes we do, contact our team for more details of our van finance.

How long does it take to process my application?

From the moment you submit your online form to the moment that you pick up or receive your car is usually around 8-10 days. This can be longer or shorter depending on the complexity of the application.

Do you require a deposit?

Whether or not we require a deposit is dependent on your circumstances and the amount you want to borrow, please call our advisors for more help.

What is the APR?

The APR rates that we offer are dependent on your circumstance and the lending option that you choose. We compare over 50 different lending options to ensure that you receive the most competitive rate possible.

Can I get guaranteed car finance if I’m self employed?

Yes, though you may need to provide proof of income over a specified period of time and proof of self employment. Contact one of our advisors today to find out how we can help.

Can I get guaranteed car finance if I’m on benefits?

If you have a good credit rating, it is possible for us to guarantee car finance to customers on benefits. Those on benefits with bad credit history may be able to find car finance, but dependent on circumstances, may have to pay a deposit.

Can I get guaranteed car finance if I’ve been declared bankrupt?

Providing you can prove that you have been discharged from your bankruptcy for at least 12 months, we are usually able to assist you in finding car finance.

Can I get guaranteed car finance if I’ve only been in the country a short while?

You must have been living in this country for at least three years in order to get car finance.

Can I get guaranteed car finance if I have little or no credit history?

We can provide car finance to customers with little or no credit history, but may require a guarantor. We always recommend that you are registered on the voters role in order that we can offer you better rates.

What is the minimum I can borrow?

The minimum that we lend is £3000.

What is the maximum I can borrow?

We can lend you up to £25,000, dependent on your circumstances (In some cases we are able to exceed this figure, subject to status. (Please contact our advisors for more information.)

Do you run a full credit check?

We only run a full credit check after we are sure that you will be eligible for at least one of our lending options. As long as you are completely honest during our first conversations, we can guarantee car finance for you, should you progress to the stage.

Guaranteed car finance