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Can I Get Car Finance Without a Driving Licence

Does a Full Driving Licence make applying for Car Finance easier?

Applying for car finance is straightforward when you have a  full driving licence, as it also acts as your form of photo identity. You’ll need to upload a picture of your licence when requested. Ensure your address is up to date and your portrait still looks like you. Sometimes the lender may require an additional picture of you posing with your form of ID to verify you are the person in the photo.

Optional ID

If you cannot provide your licence, that is OK. Lenders can accept your passport as your ID; however, they’ll need to request a DVLA mandate to confirm your licence status.

Can I get Car Finance without a driving licence?

There could be many reasons you might want to purchase a car on finance despite not having a full driving licence. But can you buy a car on finance without a licence?

Applying for car finance without a full licence can be challenging because few lenders accept applications without a driving licence. You’ll likely pay a hefty APR if you find a lender that offers no licence car finance.

Can I get Car Finance with a provisional licence?

Most lenders do not offer car finance with a provisional licence. However, a few car finance providers accept provisional licence applications.

Related FAQs

Am I Eligible for Car Finance

Your car finance eligibility will depend on the lender that you apply with. Each lender has different eligibility criteria that they consider.

However, you must be over 18 years old and have been a UK resident for at least three years to qualify for a loan.

What Documents Do You Need for Car Finance

Lenders need documents/paperwork when you apply for car finance to verify you are who you say you are, protect you from identity theft, and ensure they don’t borrow more than you can realistically afford.

What Checks are Done for Car Finance

Applying for car finance can be a reasonably stress-free experience. However, as you would expect, the lender must carry out specific checks to verify and protect your identity and establish you can afford repayments on the amount you want to borrow.

What proof of address do you need for car finance?

To be approved for car finance, most lenders will require you to have at least three years’ address history in the UK. You can provide proof of your address by supplying copies of your recent utility bills, your Council Tax statement, or your Tenancy Agreement if you rent. These documents will usually need to include your full name and address.

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