Finance Q&A - Personal Circumstances

Car finance with a guarantor?

Is it possible to get car finance with a guarantor?

Sam Thorpe

Answer from the Stoneacre finance team:

Hello, unfortunately we don't provide car finance with a guarantor as this method doesn't provide strong protection for our customers.Have you tried making your own application, without using a guarantor? We work with a panel of lenders who specialise in missed payments, defaults and CCJs so we may be able to work towards a vehicle finance approval without a guarantor.However, we're more than happy to consider a joint application as well.Regardless of whether you wish to proceed with an application for car finance on your own or not, there are many other factors that will have to be taken in to consideration. Do you have a regular income? And, can you provide documented proof of this income? We will also look at income and expenditure in order to ensure you have sufficient disposable income to meet monthly payments.Please bear in mind that the person you're making your joint application with (such as a parent, sibling or spouse) must be aware of the responsibilities that follow. If at some point you were to default on the agreement,they may have to accept financial responsibility for your monthly repayments.Sam, please submit an application via our website and we can then discuss this in more detail.

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