Get a car finance quote
Check eligibility with no impact on credit score
We are a credit broker, not a lender.Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.
How it works?
Apply for your loan
To apply for your car finance to borrow money, decide on the amount you need and the loan term. Our lenders will assess your application and provide feedback promptly.
Apply nowReceive the money
If your application is approved, and you get a car finance quote, the funds will be deposited into your account the same day. Use the money towards your car purchase or other expenses.
Pay it back over time
Repay the loan through manageable monthly payments over 1 to 5 years, covering the borrowed amount and interest. Start your application now to access the finance you need for your next car or personal requirements. Apply today for a swift and straightforward process.
Our Lenders
We work with over 15 lenders offering 100+ HP and PCP deals so that you could have the best offer.
Car finance calculator
- 36months
- 42months
- 48months
- 60months
This helps you get a more accurate finance estimate
Not sure about being approved?
Check finance eligibilityWon't affect your credit score
We are a credit broker not a lenderThese estimates are subject to credit checks, and may change if you do apply for finance.
£0/pm
£0/pm
| Loan amount | £7,500.00 |
|---|---|
| Length of Loan | 60 months |
| Monthly payment | £0 |
| Interest rate | 14.9% APR |
| Optional final payment | £0 |
| Amount of interest | £0 |
| Total payment | £0 |
Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.
What does car no guarantor car finance mean?
No guarantor car finance means you take full responsibility for repaying the loan, without needing someone else to back you up. Simply put, you don’t need a third party to guarantee the loan if you face payment issues. This type of finance gives you control and independence, with the commitment to make payments on your own terms.
Can I get car finance with bad credit and no guarantor?
Yes, you can secure car finance with bad credit and no guarantor. Even if you have a low credit score, limited income, or are older, some lenders provide flexible options. To improve your chances, show that you can meet monthly payments reliably. Our team can help you find a car loan tailored to your needs without affecting your credit score. Contact us today to explore your options and start your personalised search for car finance with no guarantor, even with bad credit.
What do you need to apply for a no-guarantor car finance option?
| To apply for car finance you need to | Requirements |
|---|---|
| Your name | Be aged 18-75 years old |
| Date of birth and nationality | Requires initial deposit |
| Your recent address history | Receive a monthly income of £1,000 or above |
| Tour employment status | |
| Your income and expenses | |
Finance calculator
- 36months
- 42months
- 48months
- 60months
This helps you get a more accurate finance estimate
Not sure about being approved?
Check finance eligibilityWon't affect your credit score
We are a credit broker not a lenderThese estimates are subject to credit checks, and may change if you do apply for finance.
£0/pm
£0/pm
| Loan amount | £7,500.00 |
|---|---|
| Length of Loan | 60 months |
| Monthly payment | £0 |
| Interest rate | 14.9% APR |
| Optional final payment | £0 |
| Amount of interest | £0 |
| Total payment | £0 |
Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.
How does car finance without a guarantor work?
No guarantor car finance starts with a quick online application on our website. Our team connects you with lenders who consider all credit histories, making the process straightforward and accessible. Applying through us won’t affect your credit score, so you can explore options risk-free. We streamline every step, making it easy for you to secure financing for your next car without any hassle.
Why apply for car finance without a guarantor with Moneyrepublic?
Get your car finance online
Get car finance options with no impact on your credit score.
Buy a car from any dealer
Once approved, collect or get your car delivered to you.
Car finance quality assured
We’ll do a thorough vehicle HPI, full-service history and MOT check. Buy with confidence.
FAQ's
- Can an 18-year-old get car finance without a guarantor?Yes, you can apply for car finance at 18 without a guarantor, though approval depends on your credit score, income, and employment. A steady income and job increase your chances with lenders who consider younger applicants.
- Can I get car finance with no guarantor and no credit check?No, car finance without both a guarantor and a credit check isn’t available. Lenders need credit checks to assess affordability. Many use a soft check that doesn’t affect your score, while some use hard checks that do. Contact us for guidance on these options.
- Do I have to pay a deposit when applying for the no guarantor option?Deposit requirements vary by lender. While some lenders don’t require a deposit, putting one down can reduce your monthly payments. Contact us to find out if a deposit is necessary for your loan.
- Can you get car finance on benefits with no guarantor?Yes, you can get car finance on benefits without a guarantor, as long as your monthly income after tax is over £1,000. Check our guide for more information on the types of benefits accepted.
- Is there guaranteed car finance with no guarantor?No, guaranteed car finance without a guarantor isn’t available. Be cautious of any claims suggesting otherwise.