First time driver

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Representative APR 24.9%

If you have recently passed your driving test and would like to get behind the wheel of the vehicle you truly want, why not consider car finance? Our team at Car Finance Genie could help, drawing upon our formidable network of partner dealers and lenders.

How does first-time driver car finance work?

It’s all very simple: Car Finance Genie is a broker, rather than a lender, so we will search the broader market to bring you the car finance deal that best matches your needs.

We’ve explained the application process in greater detail below. Our team will help you obtain the right finance, as well as find the car that you want from our generous stock of high-quality vehicles.

With car finance being a form of loan, it is naturally crucial to ensure you can afford the repayments on your own agreement, in addition to knowing the other terms and conditions. We’ll help ensure you make the right choice of car finance arrangement for your own situation.

Place your trust in us for first-time driver car finance

Passing your driving test and gearing up to get out on the roads is an exciting time – we understand! We know that as a new driver, you’ll be eager to get behind the wheel. But now is the time to start thinking about car finance, whether you have already found a car you would like to make your first, or are still weighing up your options.

As a new driver, the chances are that you’re probably a young driver too – which means you have some important options to consider when it comes to car finance. New and young drivers may encounter some difficulties when trying to finance their car purchase, owing to factors like having very little to no credit history or a lack of available funds for a down payment. That’s where Car Finance Genie can help and assist you!

We offer affordable car finance options for young and first-time drivers to help you finance your new motor. With us, you’ll obtain the keys to your new car in no time!

Car finance for new drivers

When seeking to purchase your very own first car as a new driver, it can be an incredibly formidable and overwhelming task. At Car Finance Genie, we are aware of how daunting the buying process can be, which is why our qualified team of specialists is available to give you the direction and assistance you require in order to advance with the best finance options. Car finance can be somewhat difficult for new drivers to acquire, due to a number of factors.

You don’t have to be tied to a particular finance option as a new driver – there are some options available for you to choose from – but some are more strongly advised for first-time drivers than others. We’ll guide you through the car finance process.

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

The difficulties of acquiring car finance as a new driver

etting approved for car finance as a young or first-time driver can be difficult – and we’ll explain why. But here at Car Finance Genie, we are committed to helping even those who have little driving experience to obtain the right car finance deal for their needs.

Of course, car finance is a great option for a wide range of motorists, especially first-time drivers who are just preparing to get behind the wheel for the first time with their new licence.

UK citizens can receive their driving licence from as young as 17. That said, you must wait until you are at least 18 years old before you can sign a financial arrangement for your car – so you’ll have to wait around if you’re just 17 before investing in car finance. Another option would be to buy your first car outright without car finance and wait until you are 18. You could buy a cheaper used car without finance if this was the case.

Even if you are above 18, it can still be difficult to get car finance or even an option that best suits you. We’ve listed some reasons why this might be the case below:

  • Around 85% of all serious road accidents are caused by drivers under 25. That’s right, new drivers are likelier to cause road incidents – and since with most car finance options, the car doesn’t actually belong to you initially, the lender may feel that their car is more at risk with new drivers and so may refuse to provide affordable finance in the first place.
  • First-time drivers have little to no credit history – a potential creditor will always consider financial inexperience when making a car finance deal with younger and less experienced drivers, which could be a problem for you.

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.