Guaranteed Car Finance UK

Guaranteed Car Finance

Discover the truth about being accepted for car finance

  • Flexible finance deals
  • Check eligibility online
  • Won't affect your credit score
Guaranteed Car Finance

What is Guaranteed Car Finance?


Guaranteed car finance is the idea that your car finance application will be approved, regardless of your credit rating. Unfortunately, no car dealer can guarantee car finance for their customers, and anyone suggesting otherwise is likely to be reeling you in with a false offer. Without a credit check, it's hard to see how any car finance lender could deliver on such a 'guarantee', as there are many aspects to factor in before you can be approved. At Stoneacre, we seek to see the bigger picture by considering your entire situation and not just your credit score.


As credit brokers, we help customers with low credit achieve car finance. However, 'guaranteed' car finance with no credit check remains unviable. Neither car dealers nor brokers can control whether a customer receives approval for car finance; it is up to our lenders to have the final say. Because of this, any claim of 'guaranteed car finance' is made to mislead you. What our in-house team can do, is to personalise any deal based on your particular circumstances, so you gain a better standing in the eyes of our lenders when you come to enquire online.

Representative Example

Cash Price £19,315.06
Deposit £1,706.42
Term 50 months
Payment £420.70
Amount of credit £17,608.64
Fixed Interest per annum 4.67%
Representative APR 9.85%
Total Charge for credit £3,825.35
Option fee (included in total charge for credit) £399.00
Total Amount Payable (Incl. Deposit) £21,433.99

We are a credit broker and a lender. We can introduce you to a limited number of lenders and their finance products. We will provide details of products available, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Lenders may pay commission to us (either a fixed fee or a fixed percentage of the amount you borrow) for introducing you to them, this may be calculated in reference to a variable factor such as (but not limited to) the vehicle age, your credit score and the amount you are borrowing. Different lenders may pay different commissions for such introductions.

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