Getting car finance with a low credit score can be difficult. It can feel harder if no one is able to act as a guarantor. No-guarantor car finance means you apply by yourself. The finance is in your name only, and you are responsible for the repayments.
Go Car Credit looks at each application on its own. The review is based on your income, spending, and current situation. A credit score is checked, but it is not the only thing that matters. This gives people a fair review based on what they can afford now.
Go Car Credit has bad credit car finance and no deposit car finance. These choices fit different budgets.
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 £10,000, annual interest rate 18.25% (fixed), charge for credit £9,430 (£9,125 interest, £295 admin fee and £10 option to purchase fee), total amount payable £19,430. Loan term of 60 monthly instalments, 59 payments of £323.67 and 1 final instalment of £333.47. 36.1% Representative APR – Subject to status and affordability
No-guarantor car finance means the loan is only in your name. You make the payments yourself. No one else is linked to the agreement. This gives you independence and privacy.
Lenders check details such as:
Missed payments or County Court Judgments (CCJs) do not always lead to a refusal. Some lenders that work with bad credit focus on what you can afford today, not just your credit past.
Experian explains that car finance is still available to people with poor credit. The terms and rates differ between lenders.
No-guarantor car finance has one borrower. Joint car finance has two borrowers who share the same loan. Go Car Credit offers both options.
In a joint loan, both people are responsible for the payments. If one person misses a payment, the other must cover it. The agreement also links both credit files. Each person’s credit activity appears on both files until the loan is complete. Find more details on the joint car finance page.
Both types of finance go through the same checks. The vehicle belongs to the lender until all payments are made. Some people begin with an individual application and later add another person if needed.
No-guarantor finance is for people who want to handle their loan on their own. The main features are:
This option gives you control and privacy. It keeps things simple and direct.
Here are some things to know about no-guarantor finance:
All applications are checked carefully to make sure payments fit within your budget.
Lenders look at how you manage money. Many people choose to:
MoneyHelper’s guide on ways to finance buying a car explains the main types of car finance and how they work.
Benefits such as Universal Credit, PIP, or DLA are often treated as income. Lenders use this to check what you can afford to pay.
Go Car Credit offers car finance for people on benefits. Each application is checked to make sure the payments are right for your budget.
Car finance is shown on your credit record. Each payment counts. Paying on time shows steady progress. Missed payments are also recorded.
When the finance ends, your record stays part of your file. Any new application is checked using up-to-date rules.
Applying for bad credit car finance with no guarantor is straightforward. The online form collects the information needed to review your income and spending. There are no hidden fees at this stage. All checks follow FCA rules and responsible lending standards.
People who work, run their own business, or get benefits are welcome to apply. Each application is checked in the same fair way. We look at income and spending, not just credit history.
Our self-employed car finance and car finance for people with CCJs pages show how different types of income and credit records are reviewed.
