Can I get car finance if I've just moved to the UK?

Sure, it is still possible to get car finance if you’ve recently moved to the UK, but it may take more effort. Most lenders want to see at least 3 years of UK address history. That’s because it helps them check your background and understand how reliable you are when it comes to borrowing. If you’ve just moved, they can’t access much data, so they may see you as a higher risk.

That doesn’t mean you’ll be declined. If you have a steady job and a regular income, you still stand a good chance. Because your overseas credit history won’t carry over, you’ll need to start building a UK credit file. Many people begin with a mobile phone contract or a credit-builder credit card. These small steps can make a big difference within a few months. Some lenders specialise in working with new arrivals, so they focus more on your current situation than your past records. If your finances are stable, there are still finance options available.

We’ve worked with many customers in your position, and we can help guide you through the process. If you’re ready, we’ll check your details and match you with lenders who understand your situation.

What proof of address do I need for car finance?

You need to show where you live. That’s what lenders call proof of address.

They use it to confirm your details and check you’re settled. It helps them decide if you're a safe person to lend to.

You can use a recent:

• Utility bill (gas, electric, water)
• Bank statement
• Council Tax bill
• Tenancy agreement

The document must show your full name and current address. It also needs to be dated within the last 3 months.

Check the details that match your application. If they don’t, lenders may reject it or ask for more paperwork. That slows everything down.

Bring the right proof first time, and we can get things moving quickly.

Do I need to be on the electoral roll to get car finance?

No, you don’t need to be on the electoral roll to apply. But it helps a lot.

Lenders check the electoral roll to confirm your name and address. It shows you’re settled and easy to trace. That makes you look less risky.

If you’re not registered, that’s fine. You’ll just need to give other documents that prove where you live. A recent utility bill, bank statement, or tenancy agreement will do.

Make sure your name and address match what’s on your application. That avoids delays and keeps the process simple.

What are my car finance options if I've recently moved?

You still have options, even after a recent move. The main types are Hire Purchase (HP), Personal Contract Purchase (PCP), and Personal Contract Hire (PCH). You can also look at personal loans.

HP gives you full ownership once you finish the payments. PCP has lower monthly payments, but you’ll need to pay a lump sum at the end to keep the car.

Some customers use a personal loan from their bank, but this depends on your credit score and history. Others choose a cheaper used car with a smaller loan to keep things simple.

We’ll check your details, find a lender that suits your profile, and help you choose the right plan. Let’s get everything in place so you can get the car you need

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How to build credit in the UK after moving

You need to build credit before most lenders will approve car finance. Follow these steps to get started:

1. Open a UK bank account: This is the first step. Use it for your wages and bills. Lenders want to see how you manage money here.
2. Register on the electoral roll: If you’re eligible, register at your current address. It helps lenders confirm who you are and where you live.
3. Put bills in your name: Use your name on gas, electric or internet bills. Pay them by direct debit. This shows you can pay on time.
4. Get a phone contract: Choose a monthly contract, not pay-as-you-go. Phone contracts count as credit and help build your score.
5. Use a credit-builder card: Spend a small amount and pay it off in full each month. That builds trust with lenders fast.
6. Check your credit report: Look at it with Experian, Equifax or TransUnion. Fix anything that’s wrong so lenders see accurate details.
7. Avoid lots of applications: Don’t apply for too many loans or cards. Each one leaves a mark and can lower your score.
8. Be consistent: Credit builds over time. After 6 to 12 months of good history, you’ll have more finance options.