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Car finance for people on benefits in 2024.

accessible car finance

At Refused Car Finance we are dedicated to helping people get car finance on benefits. In 2024, more people than ever are claiming some form of benefit income. If you’re currently in receipt of benefits and looking for a car loan, you may be wondering how does this impact your chances of getting approved for benefit car finance?

Car finance on benefits explained

If you’re wondering if you can get car finance on benefits, then the simple answer is ‘yes’! We can help you obtain benefit car finance by matching you up with our panel of specialist lenders. Whether you are claiming child tax credits or looking for car finance on disability benefits, we can get you the best car finance deal.

We make the process super simple. Just visit the apply page and fill in our short form. From there we will work hard to get you a used car finance deal. As a 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 your benefits. Once you have chosen which lender you want to proceed with then you could be driving your car away the same week!

Get Car Finance on Benefits Today

Applying does not impact your credit score as we use a soft search credit check.

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 car finance for people on benefits work?

Applying for car finance on benefits is super simple!

applying online

1. Tell us about you.

Fill out our application form entering your benefit income as a full sum in the “income” box. This is your income after tax, including and wage and benefits you receive.

relaxing at home

2. Sit back and relax

Put your feet up as our team of car finance experts work to find you the most suitable deal. We have chosen a specialist panel of lenders who have a great track record of approving applicants with benefits, so we are confident we’ll find you a great car finance package. 

Choose your deal

3. Choose your deal

Once we have found the best benefit car finance packages for you, we will let you know. From there, you just have to pick which deal is the most suitable for you. You may be looking for a no-deposit option or after a certain loan value.

What about benefit income and bad credit?

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 can 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 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

Guaranteed car finance on benefits

There isn’t such a thing as guaranteed car finance and we believe you should be wary of car finance companies who say they can offer you finance no matter what. You may face higher interest rates and up paying more overall. We can’t claim that we can guarantee you car finance as it would be unethical and false advertisement. However, we have a panel of trusted lenders who can offer a whole range of finance packages so we can help find the car finance deal that’s right for you! 

Why choose Refused Car Finance for benefit 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

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!