Does Car Loan 4U 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 ensuring you only borrow what you can reasonably afford to pay. This means our team will look at your application manually and will only refer your application to one of our lenders if we believe you can reasonably 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.

If you do apply with us and you’re accepted by one of our lenders, 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 ensure we're able to 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 then we have some information that might be able to help you.

We work with some of 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.

Worried about credit searches?

We try to reduce the affect on your credit profile when you apply for a loan or finance through us. 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 arrange credit for you we’ll let you know quickly and we won’t do any other searches. If you are approved in principle then we will do hard searches which leave a trace – but on average each customer who’s approved in principle only has 2 hard searches. If you are approved with us you’ll receive a personal quote which you’re under no-obligation to agree to, so you don’t need to sign anything until you’ve found your perfect car.