Guaranteed car finance

You might have seen lenders claiming to offer ‘guaranteed car finance’. We explain why you should be cautious of this misleading claim and what you can do if you’re looking for car finance.

Guaranteed car finance

You might have seen lenders claiming to offer ‘guaranteed car finance’. We explain why you should be cautious of this misleading claim and what you can do if you’re looking for car finance.

What is guaranteed car finance?

Guaranteed car finance is the idea that your car finance application will be approved regardless of your credit score.

Guaranteed car finance doesn’t exist. Nor does guaranteed car finance with no credit check or guaranteed car finance on benefits. It’s a topic discussed by many in the car finance industry. It’s often widely promoted. However, it’s important to know that a legitimate lender will never try to sell you guaranteed car finance of any form.

Think of it like this: you can never have a product that truly suits everyone and their individual circumstances. There is no one-size-fits-all when it comes to car finance, and therefore there is no such thing as guaranteed car finance. Everyone’s circumstances are different, and any responsible lender will consider these before offering anyone car finance. It’s our duty as finance providers to offer customers finance that they can afford.

So, if you ever see ‘guaranteed car finance’ quoted on a car finance provider’s website, you should act with caution. Picking a reputable car finance company is important, so don’t rush your decision. Also, make sure you understand how car finance works before you make an application.

Can I get guaranteed car finance with bad credit?

Lenders have the final say over whether someone is approved for car finance, and a responsible lender will never claim that their car finance is guaranteed. Decisions of whether you’d be approved are based on factors like credit score and affordability.

What is guaranteed car finance?

Guaranteed car finance is the idea that your car finance application will be approved regardless of your credit score.

Guaranteed car finance doesn’t exist. Nor does guaranteed car finance with no credit check or guaranteed car finance on benefits. It’s a topic discussed by many in the car finance industry. It’s often widely promoted. However, it’s important to know that a legitimate lender will never try to sell you guaranteed car finance of any form.

Think of it like this: you can never have a product that truly suits everyone and their individual circumstances. There is no one-size-fits-all when it comes to car finance, and therefore there is no such thing as guaranteed car finance. Everyone’s circumstances are different, and any responsible lender will consider these before offering anyone car finance. It’s our duty as finance providers to offer customers finance that they can afford.

So, if you ever see ‘guaranteed car finance’ quoted on a car finance provider’s website, you should act with caution. Picking a reputable car finance company is important, so don’t rush your decision. Also, make sure you understand how car finance works before you make an application.

Can I get guaranteed car finance with bad credit?

Lenders have the final say over whether someone is approved for car finance, and a responsible lender will never claim that their car finance is guaranteed. Decisions of whether you’d be approved are based on factors like credit score and affordability.

Whether you have an IVA, CCJ, or bad credit, you won’t be able to apply for guaranteed car finance in the UK because it doesn’t exist. Car finance will only be offered once the appropriate checks have been done on an application. You should be wary of anyone claiming to offer guaranteed car loans.

Whether you have an IVA, CCJ, or bad credit, you won’t be able to apply for guaranteed car finance in the UK because it doesn’t exist.

It would be unethical of us, or any lender, to lend money to someone who can’t repay it. This could leave them in a worse financial situation than they were before applying. That is why the Consumer Credit (Advertisements) Regulations 2010 protect customers from false or misleading claims like ‘guaranteed car finance’ and ‘guaranteed car credit’.

If you are looking for bad credit car finance, we could help. We’re a direct lender based in the UK that could help you onto a better road ahead.

Who is most at risk of being targeted for guaranteed car finance?

There are websites that claim to offer guaranteed car finance to a variety of people:

There is no such thing as a guaranteed car loan, no matter what. You should be cautious of this claim, especially if you fit into one of these categories.

What should I do if I'm looking for car finance?

Everyone can improve their credit score; it doesn’t just apply to people with bad credit. So whatever your credit score is at the moment, we’ve written guides to help you learn what affects your credit score and what a good credit score is.

When you apply for car finance, the lender will look at a variety of factors, including:

  • Income and expenses
  • Address history
  • Affordability
  • Credit history

A lender may look at your credit score, but it isn’t usually the only factor they will check. They will often look at your credit report to see how you’ve managed credit in the past and check that finance is affordable for your circumstances. That’s why improving your credit score is one of the things you can do to increase your chances of getting car finance.

Car finance will only be offered once the appropriate checks have been done on an application. You should be wary of anyone claiming to offer guaranteed car loans.

It would be unethical of us, or any lender, to lend money to someone who can’t repay it. This could leave them in a worse financial situation than they were before applying. That is why the Consumer Credit (Advertisements) Regulations 2010 protect customers from false or misleading claims like ‘guaranteed car finance’ and ‘guaranteed car credit’.

If you are looking for bad credit car finance, we could help. We’re a direct lender based in the UK that could help you onto a better road ahead.

Who is most at risk of being targeted for guaranteed car finance?

There are websites that claim to offer guaranteed car finance to a variety of people:

There is no such thing as a guaranteed car loan, no matter what. You should be cautious of this claim, especially if you fit into one of these categories.

What should I do if I'm looking for car finance?

Everyone can improve their credit score; it doesn’t just apply to people with bad credit. So whatever your credit score is at the moment, we’ve written guides to help you learn what affects your credit score and what a good credit score is.

When you apply for car finance, the lender will look at a variety of factors, including:

  • Income and expenses
  • Address history
  • Affordability
  • Credit history

A lender may look at your credit score, but it isn’t usually the only factor they will check. They will often look at your credit report to see how you’ve managed credit in the past and check that finance is affordable for your circumstances. That’s why improving your credit score is one of the things you can do to increase your chances of getting car finance.

How can I improve my credit score?

How can I improve my credit score?

Check your credit report

Wrong information on your credit report might impact your credit score. Make sure all your information is up to date and correct so that your credit history is accurate.

Use your credit card wisely

Missed or late payments will negatively affect your score. Consider how much credit you use out of the total available to you and try to pay your bills in full and on time.

Register for the electoral roll

If your name isn’t on the electoral roll, it will be harder to get credit. Make sure you are registered at your current address so lenders can verify your identity.

Avoid moving homes often

Moving all the time could affect your ability to get credit. This is because lenders prefer people with a stable address history, and moving regularly can make you seem less stable.

Check your credit report

Wrong information on your credit report might impact your credit score. Make sure all your information is up to date and correct so that your credit history is accurate.

Use your credit card wisely

Missed or late payments will negatively affect your score. Consider how much credit you use out of the total available to you and try to pay your bills in full and on time.

Register for the electoral roll

If your name isn’t on the electoral roll, it will be harder to get credit. Make sure you are registered at your current address so lenders can verify your identity.

Avoid moving homes often

Moving all the time could affect your ability to get credit. This is because lenders prefer people with a stable address history, and moving regularly can make you seem less stable.

You could use a money management app such as Snoop. Snoop is one of our sister companies that helps users track their spending, control their finances, and view their credit score.

Explore Snoop

You could use a money management app such as Snoop. Snoop is one of our sister companies that helps users track their spending, control their finances, and view their credit score.

Explore Snoop

Why choose Moneybarn?

Great customer service

We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.

Award-winning finance

We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.

Leading specialist lender

As one of the UK’s leading lenders of specialist finance, we accept people let down by other lenders, with over 30 years of experience helping people onto a better road ahead.

Find out more

Why choose Moneybarn?

Great customer service

We support thousands of people up and down the country each month, even if they’ve been refused elsewhere. Our customers rate us as Excellent on Trustpilot.

Award-winning finance

We continue to win industry awards for our approach to responsible lending, including ‘Vehicle Finance Provider of the Year’ and ‘Sub-Prime Lender of the Year’ for 2023.

Leading specialist lender

As one of the UK’s leading lenders of specialist finance, we accept people let down by other lenders, with over 30 years of experience helping people onto a better road ahead.

Find out more

FAQs around guaranteed car finance

Guaranteed car finance garages do not exist. This is because no responsible lender, garage, or dealership can ever guarantee you car finance. There are checks that every car finance applicant has to go through before they can be offered car finance.

However, not all garages are trying to sell you a false promise; there are many reputable dealers and garages around the UK.

No responsible lender can guarantee no deposit car finance. Your eligibility depends on personal factors, such as affordability and your credit file. Everyone’s circumstances are different, so you may be asked to put down a deposit for finance.

Whether you have an IVA, bad credit, or even good credit, you cannot apply for guaranteed car finance because it doesn’t exist. Car finance will only be offered once the appropriate checks have been done on the applicant. Only after these checks have been completed will car finance be offered.

If you’ve had an IVA, we specialise in offering car finance to people with an IVA or a CCJ. We use a soft credit check at the point of application, which won’t affect your credit score.

As dealers and brokers have no control over whether someone is approved for car finance, they cannot guarantee that you will get car finance.

Direct lenders have the final say on whether someone is approved for car finance, and they will never guarantee it. Approval decisions are based on factors like credit score, affordability, and personal circumstances.

It would be unethical for us or any lender to provide money to people who cannot repay it, as this could leave them in a worse financial position than before applying. That’s why it’s important to understand that ‘guaranteed car finance’ is a misleading claim and does not exist.

100% acceptance car finance and 100% guaranteed car finance are similar claims, but both are misleading.

The claim of 100% acceptance car finance is also commonly made online. Some of these websites seem to be brokers. Brokers can offer finance to a range of people because they have connections with many direct lenders who can provide car finance. However, every lender is different, and you can never guarantee approval for car finance.

If you’re looking to finance a car, find out more about our lending criteria and the different types of car finance.

Regardless of your credit score, there should be a lender who can help you. Anyone can apply for car finance, but it might be harder to get approved if you have poor credit.

We have over 30 years of experience helping people across the UK get the car they need.

FAQs around guaranteed car finance

Guaranteed car finance garages do not exist. This is because no responsible lender, garage, or dealership can ever guarantee you car finance. There are checks that every car finance applicant has to go through before they can be offered car finance.

However, not all garages are trying to sell you a false promise; there are many reputable dealers and garages around the UK.

No responsible lender can guarantee no deposit car finance. Your eligibility depends on personal factors, such as affordability and your credit file. Everyone’s circumstances are different, so you may be asked to put down a deposit for finance.

Whether you have an IVA, bad credit, or even good credit, you cannot apply for guaranteed car finance because it doesn’t exist. Car finance will only be offered once the appropriate checks have been done on the applicant. Only after these checks have been completed will car finance be offered.

If you’ve had an IVA, we specialise in offering car finance to people with an IVA or a CCJ. We use a soft credit check at the point of application, which won’t affect your credit score.

As dealers and brokers have no control over whether someone is approved for car finance, they cannot guarantee that you will get car finance.

Direct lenders have the final say on whether someone is approved for car finance, and they will never guarantee it. Approval decisions are based on factors like credit score, affordability, and personal circumstances.

It would be unethical for us or any lender to provide money to people who cannot repay it, as this could leave them in a worse financial position than before applying. That’s why it’s important to understand that ‘guaranteed car finance’ is a misleading claim and does not exist.

100% acceptance car finance and 100% guaranteed car finance are similar claims, but both are misleading.

The claim of 100% acceptance car finance is also commonly made online. Some of these websites seem to be brokers. Brokers can offer finance to a range of people because they have connections with many direct lenders who can provide car finance. However, every lender is different, and you can never guarantee approval for car finance.

If you’re looking to finance a car, find out more about our lending criteria and the different types of car finance.

Regardless of your credit score, there should be a lender who can help you. Anyone can apply for car finance, but it might be harder to get approved if you have poor credit.

We have over 30 years of experience helping people across the UK get the car they need.

Refused car finance

If you’re searching for guaranteed car finance, you might think that it’s impossible to get car finance if you’ve been refused elsewhere.

Refused car finance

What is CS finance?

CS stands for Conditional Sale. This is the type of finance agreement we offer. Find out more in our guide by clicking below.

Conditional Sale (CS)

Our application process

It is important to completely understand the car finance agreement that you may be entering. Find out how our process works.

Our application process

For a better road ahead

Moneybarn is a member of the Finance and Leasing Association, the official trade organisation of the motor finance industry. The FLA promotes best practice in the motor finance industry for lending and leasing to consumers and businesses.

Moneybarn is the trading style of Moneybarn No. 1 Limited, a company registered in England and Wales with company number 04496573, and Moneybarn Limited, a company registered in England and Wales with company number 02766324. The registered address for these companies is: Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ.

Moneybarn’s VAT registration number is 180 5559 52.

Moneybarn Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702781)

Moneybarn No. 1 Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702780)

Sub prime lender of the year award
National Credit Awards Winner 2023
Car Dealer Power 2023 highly commended
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© Copyright 2025 Moneybarn Limited
© Copyright 2025 Moneybarn Limited

Representative example: Total amount of credit £9015. Repayable over 56 months, 55 monthly payments of £287.74. Representative 30.7% APR (fixed). Deposit of £755.54. Total charge for credit £6810.70. Total amount payable £16,581.24. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.