Car Finance on Benefits

Check if you are eligible

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

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. Our lending partners look at affordability as well as income, and consider providing car finance for those 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 which can happen to anyone.

Applying for car finance on benefits

Digital tablet screen for finance application
Digital tablet screen for finance application


Complete our online finance form and as soon as we’ve received your application, your own dedicated and friendly Personal Finance Co-ordinator will get in touch to take you through our hassle-free process.

Thumbs up - high success rate
Thumbs up - high success rate

Acceptance rate

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.

Person holding a pen and sorting out finance
Person holding a pen and sorting out finance

Pay-as-you-go car finance

It's also possible to get Pay-as-you-go car-finance on benefits. We fit a small black box to your car that acts as a payment reminder each month, so you’re free to drive the car if the payments are made on time.

At Stoneacre, we work hard to make this equality a genuine reality for people on the following benefits:

  • Income Support

    Our lenders will consider an application if you're on income support. Contact our friendly finance team to discuss your options.

  • Child Tax Credits

    A car is vital if you have kids - they need to be taken to school & back, it's also the most convenient way to transport toddlers around. Apply online or call us to discuss how we can help you receive car finance.

  • Working Tax Credits

    We'll consider you if you receive working tax credits too. With a two-out-of-three acceptance rate, you're likely to be accepted - so apply today to drive away with your dream car.

  • Disability Allowance (DLA)

    Having access to a vehicle is extremely important if you're receiving a DLA. That's why we're here to help you choose the best finance deal.

  • Carer’s Allowance

    We understand that your day-to-day life revolves around care work and mobility is a huge part of it. Don't hesitate to apply to see if you're eligible for our finance.

  • Personal Independece Payment (PIP)

    Get in touch with our award-winning team today if you have a PIP and want to receive car finance. Although we can't guarantee you'll be accepted, we'll thoroughly consider your application.

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 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.

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, two-out-of-three applicants with Stoneacre are accepted!

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.