Flexible finance
at a speed that
suits you

from first cars to flash cars, we’ll find
the right deal for you.

Representative Example

Borrowing £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

Click Car Loans is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.

View loan amount by:

My monthly budget

To pay back over

My credit score is

You could get a car worth

£6,847
No impact on your credit score

Representative Example

Borrowing £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

Click Car Loans is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.

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A Guarantor Loan involves a third party, usually a friend or relative, who acts as guarantor. If you fail to make your monthly repayment schedule, the guarantor has agreed to pay on your behalf.

Do I need a deposit on a Guarantor Loan?

No. There are no upfront fees on a Guarantor Loan. Once the agreement has been made, the funds are put straight into your bank account. From this point, you can treat a Guarantor Loan like a personal loan.

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How does a Guarantor Loan work?

A Guarantor Loan is useful when your credit score is not good enough for you to be accepted for other types of finance. Almost anyone can be your guarantor. It’s usually a friend or a relative, and the only requirement is that they are not already financially linked with you. This means your spouse cannot be your guarantor.
The guarantor provides the lender with documentation proving that if you were to be unable to make your loan payments, they have the capacity to pay on your behalf. A guarantor needs to be someone with a good credit history and must be between 18 and 75 years old. A guarantor is more likely to be accepted if they own their own home.
Once your guarantor has been accepted, you can treat the Guarantor Loan like a Personal Loan.

Will I own the car at the end of a Guarantor Loan?

Will I own the car at the end of a Guarantor Loan?

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Can I end a Guarantor Loan early?

Yes. As with a Personal Loan, you can cancel a Guarantor Loan at any time by paying back the full settlement amount. Because you legally own it, you may sell the car you purchased to pay off the loan amount.

You will not pay for any additional interest the loan would have

accumulated if you used the full term to pay it back.

To cancel your agreement, you need to find out what’s left to pay. Once the lender has confirmed the total left on the loan, you will usually have 28 days to pay off that amount.

Is there anything I need to know before taking out a Guarantor Loan?

If you’d like to buy your car through a Guarantor Loan, we’ll work hard to find the best available deal for you.

We’ll:

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Find finance with the best possible APR

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Make sure you know what the overall cost will be

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Get quotations from over forty specialist lenders, so you’ll always have the most competitive rate

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Haggle on your behalf if we think we can get you a lower rate

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Find a selection of deals that fit your requirements, so you can choose the option that’s best for you

Still questions about getting a car finance quote?

Our dedicated team of advisors are happy to help.

Call us on
0333 005 0001
Free phone between 9am - 7pm
Lines are open

Or email us at