at a speed that
from first cars to flash cars, we’ll find
the right deal for you.
View loan amount by:
We welcome joint applications
At Click Car Loans, we welcome joint applications, but it’s also worth noting that we approve car finance deals for single applicants with bad credit every day – if you’re worried about your own credit history holding you back, it might not be as much of a problem as you thought. Even if you’ve been refused car finance elsewhere, we have deals suitable for all circumstances.
Is a joint car finance application right for me?
Reasons to consider a joint application
Perhaps you have good credit but currently your income is low, whereas your partner has a poor credit history but higher earnings. Other scenarios might include one partner only having recently moved to the country, and therefore not having a full employment and residential history in the UK for lenders to review. In such circumstances, the chances of being approved and getting a good deal may be improved by a joint application.
Risks of a joint application
With a joint car finance agreement, both named parties are jointly responsible for the debt. That means that if one person stops paying their share, both parties will have their credit scores affected. For this reason, you should think carefully before taking out a joint agreement.
Who owns the car with joint finance?
The car will legally belong to the finance provider for the duration of your agreement. Once the finance has been fully paid off, if you’ve chosen a type of finance that ends with you owning the car, it will then belong jointly to you and your partner. For legal purposes, the car can only have one “registered keeper” and one “main driver”. The registered keeper is responsible for road tax and MOTs, whilst the main driver will impact your insurance deal.
Why choose Click Car Loans for car finance?
Our ethos is to ensure our customer is always happy. A car is about more than just getting from one place to another. A car is a style statement. It is a home outside of our home - getting it right is important. So is choosing a car finance company that puts your needs first.
We can help you if you’re looking for no deposit car finance - even if you are not purchasing the car from us!
What happens next?
First things first, take a moment to use the car finance calculator to see what you think you can afford. Then, we will get you a quote. As long as you are approved in principle, we can talk! We will allocate you a personal car finance specialist who will work with you and our huge pool of car dealers to find your dream car. And if you already have a car in mind, let us know and we will run full security checks on the vehicle to make sure it fulfils your needs before we get on to the finance shopping!
Any questions? Just ask!