How car finance works


Get car finance

Get a no deposit car finance approved without affecting your credit score.


Choose your car

Choose any car from any reputable dealer and we will finance it for you.


Delivery or collection

Collect or get the car delivered to you with a 14 day return guarantee.

Car finance calculator for bad credit

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.

Carplus will find the best car loan rate from our panel of lenders and will offer you the best possible deal. We don’t charge fees, but we earn a commission. This does not influence the APR you’re offered in any way.

We compare car finance deals for you

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In today's world, a car is an almost indispensable household item. It is needed to go to the store, visit family or friends, find a job, or even do the job itself. But what if you are not yet employed, and a car is a necessity?

Don't worry; Carplus has got your back! Here you can get a car financed for the unemployed without any problems. We reach out to a large number of lenders in the UK to find the best terms for you. Plus, we help you through the entire process - for example, we'll provide additional documents you may need to get approved.

Get a quote now without affecting your credit history, and get car finance with no employment history today!

Can I get a car financed with no employment history?

Of course, you can! The only nuance is that getting a car financed with no job may take longer than a regular car loan. Lenders are just as concerned as you are about making sure you can handle the monthly payments without a steady income. Therefore, you may need more paperwork to prove your income since you don't have a work history.

If you don't have a bad credit history, this process can become even easier for you. Carplus works with many lenders, so we will try to find one willing to help you. By the way, the process of getting a car financed for unemployed people may become more accessible if you have a guarantor. It should be a person with a good credit rating and who has a job. The guarantor will guarantee your payments for the entire term of the loan.

Car finance for the unemployed: options

With Carplus, even unemployed people have a chance to get a car loan. The main thing is to be honest, and make your monthly payments on time. Let's take a closer look at what options are available to people without a job.

Car finance for the unemployed on benefits

It's possible to get a car loan for benefits even if you're unemployed. But, like regular car financing without a job, it can also be a little more complicated. Also, it's worth considering that not all lenders will accept this type of loan payment.

And if your benefit turns out to be too small or something is not right with your credit history, you can always enlist the help of a guarantor.

Car finance for the unemployed with a guarantor

There are cases when a client has applied for a loan and was approved. But right now, this client doesn't have a job. In such cases, we ask an employed partner or guarantor to join the loan - and then the joint loan will be approved.

Car finance for the unemployed with bad credit

As we said above, the best option for someone with bad credit history is getting a car financed with a guarantor. A guarantor will provide a chance even for bad credit car finance for the unemployed.

Suppose you miss a payment during the loan term. In that case, the responsibility for repayment falls on your guarantor, so he must be officially employed and have a regular income.

What should you consider before getting a car financed with unemployment?

First of all, make sure that the loan's monthly payment and interest rate are within your means. That way, you can plan your budget with the car loan in mind. Use the APR when calculating - it includes the payment itself and all the interest rates.

If the offered rate is too high for you, try taking out a loan for a more extended period - then the payment will be lower. But keep in mind that the period of your loan and the number of payments will also increase.

Why choose carplus?

At Carplus, we strive to ensure that our customers are satisfied and get the best deal possible. Here is a list of reasons why you should choose us:

  1. Hundreds of our clients have already left positive feedback, proving our professionalism and commitment to help each client, regardless of his/her credit history, age, or employment.
  2. We follow the requirements of the Financial Conduct Authority. Credit approvals are granted only if they are safe and if monthly payments are affordable.
  3. Carplus employs only the best experts who work daily to find the best lenders and deals so that you can drive the car of your dreams.
  4. On our website, you can follow your application online. To do this, we provide you with a personal tracker that allows you to check the current status of your loan application.

Bad credit options

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Questions? Speak to a real person

Comparing car finance and car warranties is what we do, so you will get through to someone who can help. Call us from Monday to Friday (8am - 8pm) and Saturday to Sunday (9am - 6pm).