Car Finance with a Guarantor

We have lots of finance options to choose from, we’ll find a guarantor finance quote to get you on the road. You’ll get an online decision within minutes – without impacting your credit score. Check your eligibility now.

Check My Eligibility
Car Finance Calculator
Creditplus Representative example: borrowing £7,500 over 48 months with a representative APR of 18.9%, an annual interest rate of 18.9% (Fixed) and a deposit of £0.00, the amount payable would be £223.86 per calendar month, with a total cost of credit of £3,245.06 and a total amount payable of £10,745.06. 

1. Apply online

Simply tell us a little bit about yourself and how much you would like to borrow by completing our short online application form.

2. Get a quick decision

Get a quick decision and find the perfect car. If you would like help finding a car we are more than happy to do that too.

3. Fast Payout

Once the lender has done their final checks and if you can proceed, we’ll pay the dealer so all you need to do is pick up the car.

What is a guarantor loan?

One of the ways applicants with bad or poor credit get approved for car finance is by having a guarantor – This is someone with a better credit rating who will vouch for them and keep up payments if they can’t. By guaranteeing that they will take responsibility if there are problems with monthly repayments, lenders are more likely to approve the loan.

Who can be a guarantor?

The specifics vary between lenders, but in general they look for:

  • Someone with a good credit rating
  • Someone with a good history of making regular repayments eg a mortgage
  • Usually a close friend or family member – someone you trust and who trusts you
  • Someone over 21 – some lenders may be okay if they’re over 18
  • Some lenders may need them to be a homeowner.

Let’s get you on the road

We specialise in helping people get vehicle finance. All types of credit profiles considered. 
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Frequently asked questions

Our experts have the answers

Why come to Titanic Finance for vehicle finance?

We promise to make financing your next vehicle straightforward and hassle-free. To that end, we have partnered with one of the UK’s biggest car finance brokers (Creditplus). Creditplus share our vision and set of core values. Like ourselves, they are passionate about matching people to a finance package that’s right for them.

We have a large panel of lenders who provide finance options for an array of individuals. From those self-employed to individuals with poor or less than perfect credit histories.

Am I eligible for Car Finance?

You can check your eligibility in a matter of minutes by completing our eligibility checker. Don’t worry there is no impact on your credit rating. All that we ask is that you meet our minimum criteria.

  • Be in full-time employment
  • Have a full UK driving license
  • Be over 18 years of age
  • Earn over £1,000 per month
  • Have 3 years UK address history

Do I require a deposit?

A deposit isn’t always required and we have zero deposit options available. If you don’t have the spare cash, you can always part-exchange your old vehicle towards the deposit for your next car.

Can I get car finance if I have a poor credit history?

Having a poor credit history doesn’t mean you can’t borrow money to buy the car you need, but it may mean some lenders won’t approve you.

We work with a handpicked panel of specialist lenders who are more interested in your credit future than your credit past. Our friendly team will help you find affordable finance that suits your individual circumstances.

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Don’t just take our word for it
client reviews of our partner

I recently used these guys to sort out my car finance. The whole experience was easy and positive throughout. I was kept informed through every step of the process and it was made very easy for me.
David Higgins
Manchester
They searched high and low to find me the car that I wanted with the options I wanted at the right price. They were helpful and kept me informed the entire time. Great service, Very
Lauren Meeks
Southampton