Do you offer guaranteed car finance?

Want to know if you’re guaranteed to be accepted for a car loan if you apply with us? It’s a common question. Or maybe you want to know what happens once you apply, particularly if you’re in a rush to get a car or if you have bad credit and you’ve been declined elsewhere.

If you’re looking for guaranteed car finance there are a couple of things you should know before you apply.

Firstly, Car Loan 4U is committed to responsible lending. This means our team will look at your application manually and only offer you a loan if we believe you can repay it.

Secondly, all the lenders we work with have criteria in place for approving car loans. They look at your credit history and current income, but also the type of vehicle you want to buy, how much you want to borrow and lots of other things.

This means we can’t offer guaranteed approval on a car loan, because each application is different. In fact, no company can say that you’re guaranteed to be accepted before you apply.

If you do apply with us and you’re accepted, you’ll get a no-obligation offer and 28 days to decide whether to take the loan. However until you make an application and tell us about yourself we can’t guarantee that we can help you. We do this to protect our customers and offer you the best deal.

Worried about applying for a car loan?

If you’re looking for a guaranteed car loan because you’re worried about being rejected than we have some information that might be able to help you.

We work with the UK’s best lenders so that we can help people who have bad or poor credit or who’ve experienced money problems in the past.

If you’d like more information about improving your credit rating you can read our tips here.

Worried about credit searches?

We try to reduce the affect on your credit profile when you apply for a loan. At first, we’ll only do a “soft search”, which won’t be recorded and other lenders can’t see it. If it’s obvious that we’re not going to be able to offer you credit we’ll let you know quickly and we won’t do any other searches. If you are approved then we will do hard searches which leave a trace – but on average each customer only has 2 searches. If you are approved with us you’ll receive a personal quote which is no-obligation so you don’t need to sign anything until you’ve found your perfect car.

Applying online is easy and takes just minutes.

apply for car credit