How much can I afford to pay?

Our car finance calculator is an ideal tool to work out what your monthly repayments will be.

Good credit
Bad credit
Amount to borrow:
To repay over:
5 Years
Car finance rate XX% APR
Cost of credit £ XXX
Total repayment £ XX,XX.XX
48 monthly payments of
£ 245 /mo

Representative example - Borrowing £5,500 over 4 years with a representative APR of 19.8%, and a deposit of £0, the amount payable would be £162 per month, with a total cost of credit of £2,282 and a total amount payable of £7,782.

We compare car finance quotes from all the leading providers

We partner with the UK’s trusted car finance lenders, so that you get the most suitable car loan quotes from across a huge choice of deals.

It is possible to get car finance with a provisional driving license but it does depend on the car you choose and you’ll often be limited to borrowing around £25,000, depending on which lender you make an agreement with; each will have their own terms. When a customer applies for car finance, they must be able to drive the car and whilst a provisional license allows you to drive it, it’s not guaranteed that you will go on to take your driving test, which is why the amount of credit you can borrow is limited. If you really feel that you need car finance before you obtain your full driving license, there is a way that will help you get approved.

I have somebody that can go down as a joint hirer, is this ok?

In order for your car loan application to be accepted, you will need to do a joint application with another person. This person must hold a full UK driving license and many lenders also require that they are insured before they can drive the vehicle away.

As a joint car finance application, both parties credit check will be taken into account so it’s worth checking your credit scores before applying, as well as making the joint applicant aware that they would be responsible for keeping up with payments, should you find yourself in financial difficulty during the term of your car finance agreement. A joint application is seen as a higher risk as the person main hirer isn’t always the person who will be driving the car and for that reason, you can sometimes expect to pay a higher interest rate.

What if I get insurance, could I get approved alone then?

It may improve your chances of being accepted but we would still recommend that you apply by making a joint claim. We work with a large and varied panel of lenders across the UK, some of which have experience with customers with bad credit, CCJ’s, IVA’s, have been made bankrupt or customers who haven’t yet passed their driving test.

You could in theory be approved by one of these, but the interest rate would vary from lender to lender and some may prove simply too expensive after the interest rate, especially on top on insurance, which can also be pricey for provisional license holders. It’s our aim to find you the very best car finance loan that’s affordable and practical for your personal circumstances and so far, we’ve helped many people in the same situation as you.

Applying is easy

To find out whether you could be approved for joint car finance, get in touch with our team today and we’ll be happy to go through your best options with you. With our experience, you should be driving your new car away within days. Even if you’ve been refused car finance in the past, there’s still a good chance of one of our lenders approving your application and we’ll even give you a same day decision.

Customer reviews

Emile was amazing! Was a pleasure speaking to him on the phone! He got me the best deal and helped me right up to the end, even gave excellent customer service after the purchase had gone through.

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About us

We are the motor finance people

Since 2015 we’ve specialised in motor finance. We’re a family-run company committed to putting our customers first.

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