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Car finance with no guarantor

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    No guarantor car finance available
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    Get an online decision within minutes

Zuto is a credit broker, not a lender. Our rates start from 10.6% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 months with a representative APR of 20.9% the amount payable would be £208 a month, with a total cost of credit of £4,486 and a total amount payable of £12,486.

Getting a car loan without a guarantor

Guarantors are often used to help people with bad credit get car finance – but they’re not always necessary. In fact, a guarantor for car finance is only required when you’re unable to get a loan yourself. If you need car finance with no guarantor, Zuto could help.

Can I get car finance with bad credit and no guarantor?

We often help customers with poor or bad credit and, most of the time, they don’t need a guarantor to get car finance. 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 option is best for you, whether it’s HP finance or Zuto PCP finance that would 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 car finance guarantor required?

Guarantor loans, also referred to as joint applications, are finance agreements in which a second party – typically a family member, like a parent - guarantees the payments will be made.

However, they’re only required when you’re unable to get a loan on your own, and are generally taken out by people with either no credit history or a lack of sufficient income (for instance, if you’re unemployed or a student). In these cases, if you have a guarantor, car finance might be more accessible.

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.

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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. Here, we’ll determine whether you require a guarantor for car finance.
  2. Contact us – you can talk to us immediately, whether you need a guarantor or not. If you do need someone to support your finance application, we’ll help you directly, as it can't be done online.

What to think about

When applying for any type of finance, you need to feel confident that 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 that 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 your monthly repayments are likely to be less.
  • Credit score – if you have bad credit, your APR (the interest rate) is likely to be higher. Find out more about 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 with Zuto.

To give you peace of mind, we’ll always get in touch before we run any checks that would impact your credit score. We’ll also offer advice around all available options, to help you choose the most appropriate course of action – whether that includes a guarantor or not.


Sometimes, a guarantor is a required condition when applying for car finance. Find out the most common questions no guarantor customers are asking.

What is a car finance guarantor?

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A car finance guarantor is somebody who agrees to cover your vehicle PCP finance, HP finance, or personal loan repayments, in the event that you fall behind. It’s still your responsibility to make repayments, but this person acts as a financial safety net.

Who can be a guarantor for car finance?

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A guarantor for car finance is usually somebody who has a strong credit rating and, often, owns their own home. Finance companies also generally require the backer to be over the age of 21, and not directly financially connected to you (i.e. your spouse).

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