A past credit hiccup, self-employment or income from benefits shouldn't stop you driving a safe, reliable car. Here's how RightDrive Car Finance helps customers in almost every situation — with no pressure and no judgement.
Every situation is different. Our panel of lenders covers a wide spread of credit profiles and income types, so it's worth asking before you assume the answer is no.
Missed payments, CCJs or defaults in your past? We work with specialist lenders who look at your current affordability, not just your history.
No standard payslips? That's fine. Bank statements and tax returns are usually enough for our lending partners to verify your income.
Receiving PIP, DLA, Carer's Allowance or Universal Credit? Many lenders on our panel treat long-term benefits as eligible income.
No savings put aside? Ask us about £0 deposit agreements, or use your current car's value as the deposit instead.
Little or no credit history yet? We help first-time buyers find agreements that suit a thinner file and help build a record of on-time payments.
Whether your income is a state or private pension, or you're serving with HM Forces, a stable income is what our lenders want to see.
We keep the enquiry short and friendly. Meet these core requirements and our team can start matching you with lenders who are likely to suit your situation.
Will enquiring affect my credit score?
No. The initial eligibility search is a soft search, so you can see your options without it showing on your credit file to other lenders.
You'll need to be at least 18 and a UK resident, ideally with three years of address history.
A valid full or provisional UK driving licence is required to complete a finance agreement.
A regular income from employment, self-employment, a pension or eligible benefits.
Repayments need to sit comfortably within your monthly budget once your other costs are covered.
Rates and monthly payments depend on the vehicle, the term, any deposit and the lender's assessment of your application — so we won't quote a figure until we've matched you properly. Each vehicle in stock shows its own finance illustration and representative example.
A quick look at what's on the forecourt right now.
Send us a few details and a specialist from RightDrive Car Finance will come back to you with the options that realistically fit your circumstances. Tell us about your employment, income or any deposit in the message box and we'll factor it in.
The questions we're asked most about eligibility. More answers live on our FAQs page.
Often, yes. High-street lenders tend to use strict automated scoring that declines applications for small reasons. Our panel includes specialist motor finance lenders who consider the wider picture. We can never promise an approval, but we will tell you honestly where you stand.
Still unsure whether you'd qualify?
Have a no-pressure chat with the team — we'll give you a straight answer.
