Check if you are eligible

We can provide car finance for those on benefits

It's easy, secure and you'll get a quick decision.

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Car finance calculator

Car finance on benefits calculator

Quickly see what your monthly payments would be on your new car.

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Affordable finance solutions on benefits

No deposit required

An affordable solution

A fast decision so you know where you stand

Quick application

Fast and easy process

No initial credit check

Check with confidence

Will not affect your credit rating

Car finance on benefits with Stoneacre

Is it really possible to obtain car finance on benefits? At Stoneacre, we try to answer that question with one simple word….YES!


We’re one of the dealerships who welcome car finance for people on benefits and we’ll consider all applications, regardless of your past credit history.


We work with lending partners who look at affordability as well as income, and consider providing car finance for those on benefits.

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Can you get car finance on benefits?

Why shouldn’t a person on benefits enjoy the same life choices as somebody who’s working? We don’t differentiate between people in this way and believe that car finance for people on benefits should be available.


After all, there are many reasons why somebody might find themselves on benefits. This could include a period of unemployment or temporary illness. Why should these people face financial discrimination?


Likewise, somebody on long-term or permanent disability, or those looking after them as a carer should also have access to car finance on benefits. At Stoneacre, we work hard to make this equality a genuine reality for people on the following benefits:


Income Support


Child Tax Credits


Working Tax Credits


Disability Allowance (DLA)


Carer’s Allowance


Personal Independent Payment (PIP)


So if you, or somebody you know is in receipt of these benefits and wonders if there’s a route to car finance on disability benefits or other benefits, Stoneacre’s dedicated finance team can help.

Car finance for people on benefits with bad credit

Bad credit doesn’t have to rule out your application for finance either. Our panel of understanding lenders will consider all circumstances, even if you’ve had financial problems in the past.


Rather than look to your past, we look to your current circumstances and assess whether you can afford to repay the finance now. This way, we’re able to consider a wider number of applicants, especially those with bad credit and those looking to finance a car on benefits.


To help make car finance for people on benefits with bad credit even more accessible, we offer simple hints and tips designed to help you improve your credit rating. Check these out here.

How to get car finance on benefits

Applying for car finance on benefits is easy! Simply make your application in the usual way, right here online. Our online form is straightforward to complete and it takes just moments to apply.


As soon as we’ve received your application, your own dedicated and friendly Personal Finance Co-ordinator will get in touch to smoothly take you through the process. It really is hassle free, and we’re with you every step of the way.


What’s more, with our help, two out of three people who want to finance a car with Stoneacre are accepted. So applying for car finance while on benefits really is worthwhile.


To give you even more options, we can occasionally offer Pay-as-you-go car-finance on benefits. How this works is simple: We discreetly fit a small black box to your car – usually hidden beneath your dash or inside your glove box. This small box acts as a payment reminder each month and as long as your monthly payments are made, you’re free to drive the car as normal.


For more information about this option, please click here.

Guaranteed car finance on benefits

Finally, a word of caution. Beware those finance companies or adverts promoting guaranteed car finance on benefits. In our experience, there’s no such thing. A reputable car finance company simply cannot legally promise guaranteed car finance on benefits. To find out why, visit our page on the perils of guaranteed car finance. And remember, 2 out of 3 applicants with Stoneacre are accepted.

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Finance Disclosure

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0800 111 6768.

Representative example
Cash Price£13,000
DepositNil
47 Monthly Payments£280.51
Amount to Finance£13,00
Total Interest Payable£2,743.97
GMFV£2,950
Total Amount Payable£16,133.97
Option Fee (Included in TAP)£399
Term48 Months
Rate of Interest (Fixed)8.83%
APR9.9%
Miles per Annum8,000
Excess Mileage Charge6.0ppm

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