Car Finance on Benefits

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Car Finance

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Rates from 7.9% APR. Representative APR 11.9%

Representative example: borrowing £7,000 over 4 years with a representative APR of 11.9%, an annual interest rate of 11.9% (Fixed) and a deposit of £0.00 the amount payable would be £183.99 per month, with a total cost of credit of £1,831.68 and a total amount payable of £8,831.68. This is an example only, lender fees may apply. All finance subject to status.

Vehicle Price:

£ 7000

Initial Payment (Deposit):

£ 0

To Pay Over:

48 Months

Assuming your credit rating is:

Best Available Rate:


Initial Borrowing:


Total Cost Of Credit:


Total Amount Repayable:


Optional Final Payment:


48 Monthly Payments of


Rates from 7.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £7,000 over 4 years with a representative APR of 11.9%, an annual interest rate of 11.9% (Fixed) and a deposit of £0.00 the amount payable would be £183.99 per month, with a total cost of credit of £1,831.68 and a total amount payable of £8,831.68. This is an example only, lender fees may apply. All finance subject to status.

Can I get car finance on benefits?

In short, yes. Since the midst of the Covid-19 pandemic, 9.5 million UK adults of working age are dependent upon benefits for a variety of circumstances.

At Vizion Finance, we understand the financial journey through life can be unpredictable. Whether you are experiencing a phase of unemployment, have had a new-born child or have a disability, we believe everyone should be entitled to equal opportunities, as purchasing a new car is more than just that. It’s an integral part of daily life, whether it’s for the school run, getting to hospital appointments or even job interviews.

Get in touch today for a no-obligation quote

Process of your finance application

Choose Your Car

Browse our Vehicle Stock or choose a car from a dealer of your choice.

Get A Quote

Submit your details and Get a finance quote from our trusted lenders.


If you are happy, we will finalise the deal with the lender on your behalf.

Enjoy Your Car!

Collect your car from the dealer and enjoy it for the duration of your contract.

Is there car finance for unemployed people?

Having a vehicle can be essential for you, especially when you’re out of work. Getting to interviews and to the shops is important if you’re hindered by a disability or personal circumstance.

We accept that it can be harder to find financial products when you’re not working, but work with a panel of lenders who have provided car finance in such cases in the past!

You will have to consider how you’ll demonstrate your affordability, and it could also be useful to have a guarantor. See our guide for more information on secured car finance.

How can I maximise my chances of being approved?

There are a few steps which we can strongly recommend that will increase your chances of securing a car finance deal:

Checking your credit score By checking your credit score regularly you can ensure that you have an idea of what your credit status is like, identify any mistakes or errors and work on areas that can be improved. There are many ways in which you can improve your credit score, such as using credit cards and registering on the electoral roll (see below).

Prepare your proof of income If you’re in employment you’ll likely have payslips, otherwise you’ll need to provide 3 months minimum of bank statements. It can be helpful to clean up your bank statements, remove any non-essential subscriptions, evaluate if there are any outgoings that can be stopped. If your income is arriving in multiple instalments, ensure you label and identify these accordingly or try to merge them into one payment for ease.

Register on the electoral roll It’s free and allows you to confirm your name and address online. It is one of the first things that lenders look at when evaluating your finance application and will help you gain approval for a finance product.

Increase your deposit Putting down a larger payment upfront may reduce the amount you need to borrow making it more likely for lenders to approve your application.

How do I apply for Car Finance if I’m on Benefits?

Get a free no-obligation quote by filling in our quote form.

If you’ll be approved in theory by one of our panel lenders, we will reach out with your offers and explain what you have available.

We will be able to answer any questions you may have and we will leave you to find your perfect car (or you might already have one in mind!). You can search our vehicle stock or let us know about a car you have found elsewhere.

Use our calculator to find out how much you could afford to repay monthly.

Comparison of Finance Options

Finance Features: Hire Purchase (HP) Personal Contract Purchase (PCP) Personal Loan
Requires initial deposit Optional Optional
Car is yours at the end of the agreement
Fixed monthly payments
Optional balloon (final) payment
Avoid excess mileage charge
Secured against an asset (e.g. a car)
Support with vehicle issues

Frequently Asked Questions

What might affect my eligibility?

We always perform a soft check on our clients that does not affect your credit score, but will tell us the likelihood of your approval. Some circumstances such as bankruptcy, unemployment, CCJs, missed payments and IVAs may negatively impact this.

Can you guarantee a deal for me?

No. Guaranteed car finance is not common under regular circumstances, much less so when your income is dependent upon multiple factors such as other people, business operatives, or availability of work.

What can I do to improve my chances of approval?

Join the electoral roll, check your credit score regularly, take out a loan with a person with good credit, use a guarantor.

These are all examples of ways to improve your chance of success and is not exhaustive.

Let's get started?

Getting a Free Quote with Vizion Finance only takes 5 minutes, and will not affect your credit score

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0203 322 1905


Business Hours:
Monday to Friday 09:00 - 20:30
Saturday 10:00 - 19:00
Sunday 10:00 - 17:00

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