FAQs - The application process

Can I use a guarantor to get car finance?

Sam Wooller, Customer Experience Communications Manager, Friday, 04 September 2020
Updated: Monday, 15 May 2023

No, you cannot get car finance with a guarantor with us, as we do not offer the option of having a guarantor on your car finance.

We’ll only ever offer finance based on your own income, affordability and circumstance.

You can make a joint application with a partner or family member, but that will mean that both people agreeing to the joint application will be responsible for repayments for the lifetime of the agreement. Affordability checks will be done on both incomes combined. This is different to a guarantor who will only be called upon should the person with the loan no longer be able to pay the repayments.

If you take out an agreement for anyone else other than yourself, this is called fronting and is illegal.

You can apply for either a joint or single application with us, but we do not do guarantor finance.