We believe having a past credit hiccup, being self-employed, or receiving benefits shouldn't stop you from driving a safe, reliable car. Discover how RightDrive Car Finance helps customers in almost every situation.
Every customer's financial situation is unique. Our panel of lenders caters to a wide spectrum of credit profiles and income sources.
Missed payments, CCJs, or defaults in your past? We work with specialist lenders who focus on your current affordability rather than historical credit mistakes.
Don't have standard payslips? No problem. We accept bank statements and tax returns to verify your income quickly without hassle.
Receiving PIP, DLA, Carer's Allowance, or Universal Credit? Many of our lending partners treat long-term benefits as eligible income for finance.
Don't have savings put aside for a deposit? We offer £0 deposit finance deals so you can drive away without needing upfront cash.
Little to no credit history? We help young drivers and first-time vehicle buyers secure finance agreements tailored to build your credit score.
Whether you're receiving a private/state pension or serving in HM Forces, your stable income can qualify you for our flexible car finance plans.
We keep our application process fast, friendly, and straightforward. As long as you meet these core requirements, our team can begin matching you with suitable lenders.
Does applying impact my credit score?
No — our initial eligibility checks perform a soft search only. This lets you view your options without affecting your credit rating.
You must be at least 18 years old and a resident in the UK with a minimum of 3 years address history.
A valid Full or Provisional UK Driving Licence is required to complete your finance agreement.
A regular income source of at least £1,000/month from employment, self-employment, pension, or eligible benefits.
Demonstrable ability to comfortably meet monthly repayments without putting strain on your living budget.
Finance Representative Example
Browse stockEvery car in our stock shows its own representative example — cash price, deposit, total credit, monthly payments, representative APR and total payable — on its finance illustration. Rates depend on the vehicle, the term and the lender's assessment of your application.
We are a Credit Broker not a Lender. We work with a panel of UK motor finance lenders and typically receive commission from them (a fixed fee or % of the amount borrowed). We don't give advice or recommendations — taking finance is your choice. On hire purchase you own the vehicle once all payments and any Option to Purchase Fee are paid. Subject to status. 18+. Missed payments may affect your credit rating.
Fill out this quick form and one of our friendly finance specialists at RightDrive Car Finance will get back to you with tailored options.
Have questions about your situation? Here are the answers to common enquiries.
Still have questions regarding your eligibility?
Speak directly with our friendly team today.
