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Car finance without a guarantor

signing car finance agreement

Are you looking for no guarantor car finance? You’ve come to the perfect place! Refused Car Finance can offer no guarantor options, even if you have bad credit! Usually, a guarantor is used to help get you approved with the lender but thanks to our bespoke lending panel, we can offer all applications a car finance deal with no guarantor needed. Once you’re deal is in place, you can then choose a car from any FCA-approved garage and pay for it over a term that suits you!

What is a guarantor? 

A guarantor is someone who agrees to pay back your credit if you fail to do so. Having a guarantor can be a good way to help get you approved if you are struggling. A guarantor is usually a friend or family member who will meet your repayments if you fail to do so. From a car finance lender’s point of view, they essentially have two chances for the loan to be paid back when there is a guarantor involved which helps to reduce the risk of them not getting their money back. However, for many people who have bad credit or have missed payments previously, it can be hard to find someone who will support your application. A car finance deal without a guarantor can be possible and works in the same way as any of our other finance packages. 

What does car finance no guarantor mean?


No guarantor car loans or car finance without a guarantor means that you are solely responsible for your repayments. They tend to be a lot more popular than guarantor loans as they give you independence and you can choose a loan that suits your budget. Not having a guarantor for car finance means that you essentially get one chance each month to pay your loan back on time and in full. For this reason, we take affordability very seriously and even if you have bad credit, we can help you get a car without a guarantor, as long as you can prove that you can afford the repayments and meet one of our lender’s criteria. Find out more about why affordability is important for car finance.

Get car finance without a guarantor today

How does car finance without a guarantor work?

When you choose Refused Car Finance, getting a car loan with no guarantor works in the same way as any other finance deal. We break the whole process down into 3 easy steps… 

Apply online for car finance

1. Tell us about you

Our quick and easy application form collects all the information we need from you in a matter of minutes! Once you’ve applied, we get straight to work finding you the best no-guarantor car finance deal.

sign the agreement

2. Sign the documents

Once you’ve been approved by one of our trusted UK lenders, all that’s left to do is review the documentation and sign the paperwork when you’re happy. 

choose your car

3. Choose your car

Choose from 100s of cars from trusted dealerships across the UK. Once you’ve found a car that fits your budget, we liaise with the dealership for you to collect the vehicle or have it delivered to you. 

Bad credit car finance no guarantor criteria: 

To get approved for used car finance without a guarantor you need to meet all of these requirements*:

👍 At least 18 years old

👍 Have lived in the UK for a minimum of 3 years

👍 Not currently be bankrupt

👍 Can prove your affordability

To improve your chances further you should have a full UK driving licence and have a credit score on the rise, regardless of the score. It’s not to say we can’t get you approved without these things, but it limits the number of lenders we can match you up with.


“Sean was amazing! He managed to get me a great deal even though I had a poor credit history. I cannot thank him enough for the time he spent sourcing my ideal car for me. His communication was impeccable I would recommend him to anyone looking for car finance. Sean, you’re a star mate, thanks for everything.”

– Nigel from Leyton
Source: Reviews.io

*PLEASE NOTE: Car finance can never be guaranteed but if you can say yes to the above statements, we will see if anyone of our lenders would like to offer you a finance deal. 

Hire Purchase without a Guarantor

HP Car Finance allows you to spread the cost of the car over 12 – 60 months and is one of the most straightforward ways to buy a car. At the end of the deal, there’s a small option to purchase fee, you can then become the owner of the vehicle. It’s a form of secure loan which means the lender owns the car throughout the agreement until the final payment has been made. HP finance can be especially popular for those with lower credit scores as the lender can use the car as collateral if you fail to stick to the rules of your credit agreement.

Why choose Refused Car Finance for no guarantor car finance? 

✅ Huge car choice.
✅ Specialist lending panel.
✅ Affordable finance deals.
✅ Payments to suit your budget.
No deposit needed.
✅ Decision in minutes.
5* rated company.
✅ FCA authorised and regulated.
Bad credit specialists.

 happy with finance approval

Get a free finance quote!

We can provide you with a free, no-obligation quote that doesn’t harm your credit score. You can then choose the best lender for your circumstances without having a guarantor to support your application.