Rates from 24% APR
34.5% Representative APR -
Subject to status and affordability
You may be able to get car finance on benefits. Go Car Credit provides car finance for people on benefits and may count some benefit payments as income.
We look at your total income, credit history and current credit commitments. We also check whether the proposed monthly payments appear affordable. Approval is not guaranteed. All applications are subject to status and our lending criteria.
On this page:
Step 1: Calculate your monthly repayments
Step 2: Apply and track your application online, in real time (No login or app needed)
Representative example – Total amount of credit £10,500, annual interest rate 18.25% (fixed), charge for credit £9,886.25 (£9,581.25 interest, £295 admin fee and £10 option to purchase fee), total amount payable £20,386.25. Loan term of 60 monthly instalments, 59 payments of £339.60 and 1 final instalment of £349.60. 34.5% Representative APR – Subject to status and affordability.
Yes, you may be able to get car finance while you receive benefits. We look at the type of benefit and how much you get. We also review your income and current credit commitments.
Benefits do not ensure approval. They do not always stop you from applying either. We review each case and check if the payments may be affordable.
Go Car Credit is a direct lender for bad credit car finance. You apply to us, and we make the lending decision. We may also look at car finance for someone on benefits who has missed payments, defaults, a CCJ or little credit history.
We split income into two groups. The first is your main income. The second is extra income.
Your main income is the income we may use to support your application. Extra income may be added to it. Extra income may not be enough on its own.
Your main income may come from work or a pension. We may also use one of the benefits listed below.
To apply, you need income from work, a pension or at least one benefit from this list.
You may also be able to add other income to your main income. This may include:
The income we may use will depend on your case. We may also ask for proof of each payment.
You may be able to get car finance on Universal Credit. We may use it as your main income when your award has one of these parts:
Other Universal Credit payments may count as extra income. We do not count the housing part as income.
We may ask for a recent Universal Credit statement. It should show your full payment and each part of your award. You can find more facts in the official Universal Credit information.
You may be able to get car finance for carers if you get Carer’s Allowance. We may use this as your main income.
We may also count wages, a pension or part of your Universal Credit. This may help if caring duties limit your work hours.
We will still review your income, current credit commitments and the proposed car payment. We assess each case on its own facts.
You may apply for car finance on PIP or DLA. We may use either benefit as your main income.
We will also review your income, current credit commitments and wider financial position.
Bad credit does not always stop you from applying. Yet missed payments, recent defaults or debt issues may affect the result.
No. Hire Purchase and Motability are not the same.
With Hire Purchase, you sign a credit agreement. You then make monthly payments. You may own the car once all payments and fees are paid.
Motability is a lease scheme. It lets some people use a mobility benefit to lease a car. You do not own the car.
The official Motability guide explains who may be able to use the scheme.
You may be considered if you get a main benefit that we accept. This may be PIP, DLA, Carer’s Allowance, ESA or some forms of Universal Credit.
You can review our full car finance eligibility criteria before you apply.
We check if the new finance may be affordable for you. We look at your income and your current credit commitments.
This may include payments for loans, credit cards or other finance agreements. We may also ask for more information where needed.
You should also think about the full cost of running a car. This may include fuel, tax, insurance, servicing and repairs.
Our guide to car finance affordability explains the costs you may wish to review before applying.
A lower monthly payment does not always mean the agreement will cost less overall. A longer term may reduce the monthly payment but increase the total interest paid.
We may ask for proof of your income. We may also ask for more details where needed.
You may be asked for:
Please make sure the details in your application match the documents you provide. Missing or unclear details may delay the review.
We start with a soft credit search when your application meets our basic criteria. This does not leave a visible mark that other lenders can see as a full credit application.
A hard search is completed later, after the finance agreement has been signed and the application is ready to proceed. Our guide to hard and soft credit checks explains when each search is used.
A soft search does not guarantee approval. Further checks are needed before finance may be provided. Our soft credit check car finance page explains the first stage in more detail.
Car finance without any credit check is not available from a responsible lender. We explain why on our no credit check car finance page.
Go Car Credit offers Hire Purchase car finance. This lets you spread the cost of a used car through fixed monthly payments over an agreed term.
The agreement is secured against the car. You do not own the car while payments remain due. You may become the legal owner after all required payments and the option to purchase fee have been paid.
Our Hire Purchase guide explains how the agreement works, including ownership and early settlement.
Go Car Credit may offer car finance without a deposit. This means you may not need to pay money upfront towards the car price.
With no deposit, you may need to borrow more. This may lead to a higher monthly payment. Approval still depends on your status, income, current credit commitments and our lending rules.
You can read more about no-deposit car finance for bad credit before deciding whether it suits your needs.
You may still be considered for bad credit car finance on benefits. We look at more than your credit score.
We may check when a credit issue took place. We may also check if it has been dealt with and how you have managed credit since then. Our main bad credit car finance page explains this in more detail.
We may consider applications involving:
An active bankruptcy or Debt Relief Order will prevent us from approving an application. A previous bankruptcy that has been discharged does not always prevent you from applying.
An outstanding County Court Judgment or an IVA may affect the decision, but each application is reviewed on its own facts.
Go Car Credit accepts online applications from eligible people across the UK. You do not need to find a lender near you before you apply.
If finance is approved, you may choose a suitable car from one of our approved dealers. The car and dealer must meet our rules.
You can apply for car finance online. We will ask for personal details, address history and income information.
We may ask for more details or proof if this is needed to review your application.
Our usual process is:
You do not have to accept the finance if we approve it. Read the agreement before you sign. Check the monthly payment and the full amount you will pay.
You can use our car finance calculator to see example monthly payments. The result is only an estimate. It is not a quote or lending decision.
You apply to Go Car Credit rather than a lending panel. We review your application and make the lending decision.
We may count some benefits as income. We explain which ones may be used before you apply.
Our first credit check is a soft search when you meet our basic criteria. It does not appear to other lenders as a full credit application.
We work with people who may have missed payments, defaults, a CCJ or other past credit problems. Approval is not guaranteed.
Go Car Credit Limited is authorised and regulated by the Financial Conduct Authority. You can view our details and permissions on the Go Car Credit FCA Register entry.
Read what our customers say in Go Car Credit reviews on Trustpilot. This may help you decide whether to apply.
No. We may treat Child Benefit as extra income, but not as main income. You will need a wage, pension or a qualifying main benefit.
No. Go Car Credit does not include the housing part of Universal Credit when it works out the income used for an application.
Yes. We may use Carer’s Allowance as your main income. We must still check your income, credit commitments, status and the rest of your application.
Yes. We may accept PIP as main income. We will also review your current credit payments and wider financial position.
Yes. We may use ESA as your main income. You must also meet our other rules, and the payments must appear affordable.
No. You may still apply if you have bad credit. Past missed payments, defaults or a CCJ may affect the decision, but they do not always lead to an automatic refusal.
No. Responsible lenders must carry out checks before offering finance. We begin with a soft search, which does not leave a visible mark for other lenders to see.
No. Car finance on benefits is not guaranteed.
We must check your application before we decide. Read more about guaranteed car finance and why no lender should promise a yes.
No. Go Car Credit offers Hire Purchase, not pay as you go car finance. Hire Purchase uses fixed monthly payments over an agreed term.
No. The car must meet our age, price, mileage and condition rules. If finance is approved, we can help you find a suitable used car from an approved dealer.
