Car finance for people on benefits.

Get a quote from us today
Representative APR 24.9%

Don’t look elsewhere for car finance.

At Car Finance Genie we can consider a wide range of benefits. We will try our best to help you land the car finance deal that suits your financial situation and day-to-day practical needs.

If you’re seeking car finance on benefits, you are unlikely to find a better broker than Car Finance Genie 

Line of Cars

How we work.

Car finance made easy with 4 simple steps

Ready for a new car? Get a no-obligation finance quote. We consider most credit situations and have access to a wide panel of lenders, so we can find a car finance option which suits you
Your car finance application
Get decision
We compare our panel of lenders and our experts will be able to outline the best options available to you if approved
Ford Focus ST
Choose a car
With hundreds of trusted quality used cars available from our carefully selected dealers, your dedicated Genie will be on-hand to help find the right car for your needs and budget
Drive away
Wish granted. Complete all of the required documents and get the keys to your new car

Frequently asked questions. 

It isn’t necessarily as hard as you might think to find suitable car finance on benefits. Allow our experts to answer your questions… 

Is it possible to get car finance even if I’m on benefits? 

Here at Car Finance Genie, we don’t believe that claiming benefits of some kind should bar you from obtaining car finance. After all, life is unpredictable, and you can never be sure when you might need the crucial financial support that benefits can provide. 

This is why, as a broker, we have developed partnerships with various lenders, including those that are willing to offer car finance to people who are on benefits, or who are in difficult financial or credit situations. 

Can I get car finance on benefits even if my credit score is poor? 

It is certainly possible for someone who is on benefits, and who has a poor credit score, to get approved for car finance. However, it is also true that these circumstances can make it more difficult to obtain car finance for many people. 

Our own team at Car Finance Genie, though, maintains a strong network of lenders, including those that specialise in helping people who may be in a less favourable than average financial situation. Apply today, and we’ll try to help you find the most advantageous car finance deal for your needs. 

What types of vehicle can I buy on car finance? 

Whether you’re on Universal Credit, Carer’s Allowance, Personal Independence Payment (PIP), or potential other benefit, this shouldn’t necessarily prevent you from getting behind the wheel of the vehicle that you need or desire. 

In theory, you can buy almost any car imaginable on car finance – although of course, you will need to convince the would-be lender that you will be able to afford the repayments. 

What types of car finance are available? 

There are various types of car finance available on the market, so you will need to carefully consider which one would be the best match for your circumstances.  

Two of the most popular types are hire purchase (HP) and personal contract purchase (PCP). 

These two types of car finance deal have similar advantages and disadvantages; one key distinction, however, is that if you take out a HP deal, the car will typically become yours once you have completed all the payments. 

By comparison, a PCP agreement will typically give you a choice at the end of the deal, of handing the vehicle back or paying a final ‘balloon’ payment in order to acquire the car for good. 

Can I get guaranteed car finance on benefits? 

Despite the promises that you might have come across elsewhere, it is not possible to guarantee that any given person will be able to obtain car finance. Or at least, this isn’t a promise that any genuinely reputable company could make. Your chances of success in your application for car finance will depend on your particular circumstances and needs. 

However, the panel of lenders that we work with includes numerous companies that specialise in helping those in more challenging and unstable financial situations. So, even if you have been rejected for car finance elsewhere, it could still be well worth applying for car finance through Car Finance Genie. 

Make us your first choice for car finance on benefits 

Whether you are in receipt of Universal Credit, Personal Independence Payment (PIP), Carer’s Allowance, or any other form of benefits, we could help you find the right car finance deal. 

So, why not see what could be possible with the help of one of the UK’s most renowned car finance brokers?

Why choose Car Finance Genie?

Our incredible service

With over 100 independent 5-star reviews, don’t take our word for it. Find out what our customers have to say!

Trusted dealer network

We’d never send you to the wrong place! Our fantastic network of carefully picked, trusted dealers mean you can get the car you want with complete piece of mind.

SAF Approved

SAF Approved provides recognition for companies like Car Finance Genie where all of our staff involved in your finance application have passed the SAF Expert test.

CFG Quality Assured

Our rigorous checks and trusted dealers mean you can drive away without having any worries on your new vehicle’s quality.

No deposit finance available

We offer various flexible options within our finance options including bad credit finance and car finance without a deposit. Whatever your situation, we’ll try our best to help!

Years of experience

There’s no question our car finance specialists won’t try and answer. Put it to the test and get in touch today!

Rates from 10.9% APR. Representative APR 24.9%

The exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £8000 over 5 years with a representative APR of 24.9%, a fixed annual interest rate of 24.9%APR and a deposit of £0.00, the amount payable would be £220.67 per month, with a total cost of credit of £5420.20 and a total amount payable of £13,240.20

We look the find the best rate from our panel of lenders and will offer you the best deal you’re eligible for. We don’t charge for our service but we will receive a commission. This does not influence the interest rate you’re offered in any way but can vary by lender.

We act as a broker, not a lender. Further info on request.