Car finance with no guarantor

With over 100 finance options, we’ll find a guarantor-free finance quote to get you on the road. You’ll get an online decision within minutes - without impacting your credit score.

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 £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

No guarantor car finance looking through options

One of the ways drivers with bad credit get approval for car finance is by having a guarantor – someone with better credit who will vouch for them and keep up payments if they can’t. By guaranteeing that they will take responsibility if there are problems with monthly repayments, lenders are more likely to approve the loan.

But what if you have bad credit and can’t find someone – or don’t want someone – to act as your guarantor?

That’s where Zuto comes in. Because we approach our panel of lenders to see what they can offer you, we’re confident we can find an arrangement for most drivers, regardless of their credit history. We’ll help you figure out which car finance arrangement looks to be the most suitable for your situation.


Getting finance with Zuto is simple

  1. Apply with no impact on your credit score and get a lending decision today!

  2. We compare our panel of lenders, so you get a finance option that suits you.

  3. Search and test drive thousands of cars from our verified dealers.

  4. Complete all the required documents and get the keys to your new car...

Car finance with no guarantor

Whilst some drivers may not have anyone who can act as a guarantor, others may just prefer not to have one. Our panel of lenders review your individual situation and will be able to help in many circumstances.

Want to find out what kind of car finance you could get without a guarantor? Just get in touch with our team.

What is the term length for car finance no guarantor?

As the number of lenders offering no guarantor and/or bad credit car finance has increased, so has the variety of deals on offer. Whilst the exact terms will depend on your personal circumstances, you should be able to choose a term that suits you. Whatever term length suits you best, our team will work hard to find you the best available deal for your personal circumstances.

What is a guarantor loan?

A guarantor loan is a finance arrangement in which a second party guarantees that the payments will be kept up to date. Most guarantors are family members, like parents, who you know well and will vouch for your ability to pay. They are generally taken out by people with either no credit history – such as students – or people who have bad credit.  Many drivers in search of car finance with bad credit will apply for a guarantor loan, but increasingly lenders are happy to adapt the terms of the credit to accommodate drivers without a guarantor.

If you would prefer to apply for car finance with bad credit and no guarantor, simply get in touch with our team to find out what kind of arrangement you could get.

Can I get a loan for bad credit with no guarantor?

People are able to get a car loan with bad credit and no guarantor. Whether you will be approved, and what the terms might be, depends on your personal circumstances.

For some drivers in search of car finance with no guarantor, it could be more difficult to be approved as a result of their age. If this is the case, you may find it difficult to get car finance without a guarantor, especially if you haven’t got a job.

If you have bad credit for another reason, but you can prove your income and ability to afford the monthly payments, getting a loan for bad credit with no guarantor can still be a possibility. There are no guarantees though, so if you want to find out if you can get car finance with bad credit and no guarantor, get in touch with our team. We can run a soft credit search that’ll see what your options are without affecting your credit rating.

We’ll then contact the lender we think can offer the best finance option for your circumstances. They may choose to perform a full credit search, which will be noted on your credit history and can affect your credit profile. We will gain your consent before this happens.

Should I apply for loans without a guarantor?

Applying for any loan should only happen after careful consideration, and that applies for car finance with or without a guarantor. You need to feel confident that you can keep up your repayments over the full length of the term, so if your income or situation are not stable, then you may need to wait.

If your income is reliable you need to check the terms of the loan and make sure that you can afford the monthly repayments on offer, and that the deal meets your requirements. If you have bad credit your APR is likely to be higher, it is important that you consider if the agreement is suitable before proceeding.

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.

If you do go ahead and get some approvals from lenders, we’ll then talk you through which option is most suitable for your circumstances.


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