Is there a maximum age limit for car finance?

Yes. Most lenders in the UK set a maximum age limit for car finance. The upper age limit is usually 75 years old. After that, your options may become limited.

Some lenders may still (rarely) lend to you past 75, but they check your income, repayment ability, and credit report. They want to see that your monthly repayments are affordable and that you can cover the total amount payable.

Your age, licence history, and status matter. But your money matters more. If you’re a pensioner or retiree, you may be able to get a shorter-term agreement with a lower APR—especially if you have a good credit history.

You’re still eligible to apply. Focus on your requirements, pick the right vehicle, and choose a lender that fits your needs.

Does age affect car finance eligibility?

Yes, age plays a role. Some lenders have age limits, especially for certain types of car finance. But it’s not the only factor. Your credit score, income, and financial stability matter just as much - sometimes more.

With contract hire, there’s no age cap. The only rule is that the car must be under 10 years old at the start of the agreement.

For PCP (personal contract purchase) most lenders set a maximum age of 75. If you're older, you won’t usually qualify. But you’re not out of options. You can go for hire purchase , or a personal loan.

Your age won’t stop you from getting car finance. You just need the right type of agreement and the right lender.

What is the minimum age I can get car finance?

You must be at least 18 years old to get car finance. That’s because 18 is the legal age for signing a credit agreement.

You can pass your driving test and get your licence at 17, but you’ll need to wait until you turn 18 years old to sign car finance agreement. That’s the earliest age lenders can legally offer a car finance agreement.

If you’re 18 and ready to finance your first car, it’s worth knowing that lenders will also look at your credit score and income to decide if you qualify. Even if you’re young, building good credit early can help your chances.

Can I get car finance If I’m over 75 or 80 years old?

Yes, you can still get car finance after 75 - although fewer lenders accept applications at that age. Most set a cut-off age around 75, but a few accept older drivers.

To boost your chances, show a strong credit score and regular income. Lenders want to see you can afford the monthly payments with no trouble.

If car finance isn’t an option, try a personal loan or pay with savings. Age won’t block you—some lenders just need more reassurance.

Can I get car finance with bad credit despite my age?

Yes, you can get car finance with bad credit. If you're over 18 and your income covers the payments, some lenders may approve your application even with a low credit score.

Most lenders stop at age 75. But if you're younger and your credit history isn't perfect, you still have a chance - if you can afford the monthly payments.

Lenders check your income, bills, and past borrowing. To improve your chances, apply with a guarantor or pay a bigger deposit. These steps help you prove you're ready to repay.

Summing up all said above

There’s no legal age limit to apply for car finance, but lenders may set their own maximum age—often around 75. Approval depends on your credit history, financial situation, and income.

Check and compare interest rates before choosing a lender. It’s worth looking at several offers to make sure you’re getting a fair deal.

If you’re finding it hard to arrange car finance or pick the right car, Carplus can help. We’ll listen to what you need and search for finance options tailored to your situation. Our goal is to make the process as smooth and stress-free as possible.