Car Finance on Benefits Made Easy!
At Refused Car Finance, we’re committed to helping people secure car finance while on benefits. In 2025, more individuals than ever rely on some form of benefit income, and we understand how important having access to a reliable vehicle can be. If you’re currently receiving benefits and need a car loan, you might be wondering how your income affects your chances of getting approved for car finance on benefits. Our dedicated car finance on benefits page is here to answer all your questions!
Car Finance On Benefits – What Is It?
If you’re wondering if you can get car finance on benefits, you’ve come to the right place. We can help you obtain benefit car finance by matching you up with our panel of specialist lenders. We’ve created a bespoke lending panel that make benefit car finance more accessible. If you’re claiming benefits—from Child Tax Credits to disability benefits—we can help you get car finance by connecting you with our panel of lenders for an instant decision!
We make the whole car finance process super simple. First, fill in our quick and easy application form, and we’ll take it from there! We’ll get straight to work finding you a car finance for benefits deal from our varied lending panel. As a car finance broker, we have put together a panel of lenders who we think are best positioned to help you get the car finance deal you want with! If you’ve been assigned to one of our fantastic lenders, you could be driving your car away in a matter of days!
Get a FREE finance quote today!
Applying with us does not harm your credit score and we’ll get back to you with an instant decision!
Which Benefits Does Refused Car Finance Accept?
Our bespoke lending panel can accept the following form of benefits:
- Disability Benefits (Disability Living Allowance).
- Carer’s Allowance.
- Child Tax Credits.
- Working Tax Credits.
- Personal Independent Payment (PIP).
- Universal Credit.
- Guardianship Allowance.
- Income Support
- Job Seekers Allowance
- Child Benefit.
- Pension Credit.
- Child Maintenance
- Employment and Support Allowance.
- Housing Benefits.
How Does Benefit Car Finance Work?
1. Tell Us About You.
Fill out our application form and enter your total benefit income in the “Income” box. Include all income after tax, including wages and any benefits you receive.
2. Sit Back and Relax.
Sit back and relax while our team of car finance experts works to find the best deal for you. We partner with a specialist panel of lenders who have a strong track record of approving applicants on benefits, so you can be confident we’ll try our best to secure a great benefit car finance package for you.
3. Choose Your Deal.
Once we’ve found the best car finance options for you, we’ll let you know. From there, all you need to do is choose the deal that suits you best. Whether you’re looking for a no-deposit option or a specific loan amount, we’ll help you find the right package.
Can I Get Bad Credit Car Finance on Benefits?
As bad credit car finance specialists, we’re no strangers to helping people with a less-than-perfect credit score get approved.
If you’re in receipt of benefits and are looking at a bad credit score you may be worried, but we could help! Due to our wide panel of specialist lenders, we’re able to help you if you want car finance on benefits and have a bad credit score. Not only do we have a fantastic panel of lenders but our in-house team of car finance experts are incredibly skilled at matching you up to the perfect lenders and getting you that approval you need. This includes if you are on benefit-only income and have been refused car credit elsewhere! We are able to do this because we can help offer customers car loans based on affordability and not a credit score alone.
⭐️⭐️⭐️⭐️⭐️
“Very efficient and excellent service. I got finance on a new car. From start to finish, excellent communication and I was kept up to date all the way. I would highly recommend this company, they helped where everyone else said no because I was on benefits.“
– David from Belfast
Source: Reviews.io
Can I Get Guaranteed Car Finance on Benefits?
There’s no such thing as guaranteed car finance, and we advise being cautious of companies that claim they can offer finance no matter what. Such offers often come with higher interest rates and could end up costing you more in the long run. While we cannot promise guaranteed approval—as it would be unethical and misleading—we work with a trusted panel of lenders who provide a wide range of finance packages. This means we can help you find a car finance deal that’s right for you and your current situation.
Why Choose Refused Car Finance?
We are a long-established car finance broker who can offer some of the best financial benefits in the UK.
👍🏼 Affordable monthly payments.
👍🏼 Huge car choice from any FCA dealer.
👍🏼 5* rated reviews from real customers.
👍🏼 No deposit options available.
👍🏼 Finance packages for a range of credit scores.
👍🏼 Deals with competitive APR & interest rates.
👍🏼 Footprint-free credit check.
⭐️⭐️⭐️⭐️⭐️
“The process couldn’t have been easier. Honestly didn’t think I was going to get finance after being let down so so many times but saw some reviews on here and thought would give it one last try Dan got me finance in no time and my car arrives on Wednesday !! Honestly, if you’re on benefits or have bad credit give these guys a try as they’ve managed to help me so they can help anyone !! If I wouldn’t give 10 stars I would 😊😊”
– Layla from Ilford
Source: Reviews.io
Why Not Give Us a Try Today?
Make a FREE, no-obligation application with us today and you could be driving your new car in a matter of days!