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Car finance with no guarantor

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    No guarantor car loans available
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    Get an online decision within minutes

Zuto is a credit broker, not a lender. Our rates start from 9.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £7,000 over 48 months with a representative APR of 19.3%, the amount payable would be £205 a month, with a total cost of credit of £2,831 and a total amount payable of £9,831.

How to get a car loan without a guarantor

Guarantors are often used to help people with bad credit to get car finance – but they’re not always necessary. A guarantor is only required when you’re unable to get a loan yourself.

Can I get car finance with bad credit and without a guarantor?

Yes, you can. We often help customers with poor or bad credit and, most of the time, they don't need a guarantor. You might also be in a situation where you can’t find or don’t want someone to act as your guarantor.

Whatever your circumstance, we’ll help you figure out which car finance arrangement looks to be the most suitable for your situation.

You can apply for a quote now – without any impact on your credit score – to see what’s possible.

When is a guarantor required?

Guarantor loans, also referred to as joint applications, are finance agreements in which a second party guarantees the payments will be made. They’re only required when you’re unable to get a loan on your own.

Guarantors tend to be family members, like parents.

These loans are generally taken out by people with either no credit history or lack of sufficient income.

If you need car finance with a guarantor, you won’t be able to apply online, but you can contact our team who’ll be able to help.

Car finance calculator

See how much you could borrow

What to do next

There are two simple options:

  1. Apply for a quote online – we’ll run a soft credit check and approach our panel of lenders for an approval.
  2. Contact us – you can talk to us immediately – whether you need a guarantor or not. If you do need a guarantor, we’ll support you with your application, as it can't be done online.

What to think about

You need to feel confident you can keep up your repayments over the full length of the term. If your income or situation are not stable, then you may need to wait. It’s worth considering:

  • Your income – you need to make sure you can afford the monthly repayments on offer, and the finance meets your requirements. A reliable income shows a lender you’ll be able to afford your payments, which may mean you don’t need a guarantor.
  • Length of agreement – you can choose how long you’d like to pay for your car. The longer it takes, the more you’ll pay in interest, but yourr monthly repayments are likely to be less.
  • Credit score – if you have bad credit, your APR – the interest rate – is likely to be higher. We have a guide with some simple tips for improving your credit rating.
  • Deposit – paying an upfront sum can reduce your monthly payments, but it’s still possible to get car finance without a deposit.

If you’re unsure, we’ll always get in touch before we run any checks that would impact your credit score and can advise you of any options which may be available.

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